The areas we work in.
A short tour of where Lemoca Financial Planning can help. Most clients use two or three of these together, woven into one plan that covers the whole picture.
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01
Investment planning
A diversified investment plan built around your goals, your time horizon and your real appetite for risk. We talk about what the money is for before we talk about where to put it.
- ISAs, general investment accounts and bonds
- Cash flow planning so you know what your money is doing
- Regular reviews to keep the plan aligned with your life
- Clear, written fee disclosure on every recommendation
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02
Retirement planning
A clear picture of what retirement looks like, what it costs, and how to get there. We model the numbers so you can see the choices, not just the totals.
- Workplace and personal pension reviews
- Self-invested personal pensions (SIPPs)
- Annuity, drawdown and hybrid strategies
- Tax-efficient income through retirement
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03
Protection planning
Cover for the things that would derail your plan if life shifted suddenly: a serious illness, a death in the family, or losing your income for a stretch.
- Life cover, family income benefit and whole-of-life
- Critical illness and income protection
- Cover written into trust where it makes sense
- Reviews when your circumstances change
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04
Mortgages and specialist banking
Residential and specialist mortgage advice, including the trickier cases that high-street lenders find difficult. Calm guidance through what is usually a stressful purchase.
- Residential, buy-to-let and second-home mortgages
- Large loans and complex income (including self-employed and bonus-led)
- Remortgaging and equity release referrals where suitable
- Specialist banking introductions for higher-value cases
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05
Corporate services
For business owners and directors, financial planning that joins up the company and the person running it. The personal plan and the business plan should be working in the same direction.
- Workplace pensions and auto-enrolment
- Group life, income protection and critical illness
- Director and shareholder protection
- Tax-efficient extraction of profit, with your accountant
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06
Intergenerational wealth
Planning that thinks two generations ahead: supporting children and grandchildren without losing control of your own future. The conversations are often the hard bit. We help with those too.
- Gifting strategies and the seven-year rule
- Trusts, where appropriate, with specialist legal partners
- Inheritance tax planning
- Family meetings so everyone understands the plan
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07
Wills and tax
Through trusted specialist partners, we can arrange will writing, lasting powers of attorney and tax planning so the documentation matches the plan. These services are provided by carefully selected third parties.
- Wills and lasting powers of attorney
- Trust drafting and administration
- Personal tax planning
- Coordination with your accountant or solicitor
One plan, one adviser, regular reviews.
However many of these you use, the work runs through one plan and one adviser. No handovers, no shuffling between teams, no losing the thread.
Discovery
A relaxed conversation about your goals, your worries and where you are now. Free of charge, no commitment.
Research and design
We model the options, weigh the trade-offs and put together a recommendation in writing, with every cost on the page.
Implementation
If you give the green light, we put the plan into action and handle the paperwork. Nothing happens until you say so.
Ongoing reviews
We meet on a schedule that fits your life, usually once a year, to check the plan still fits and adjust where needed.
How clients usually start.
The questions we hear most often when someone is deciding whether to book a first call.
Most new clients start with a single trigger: a pension transfer, a sudden inheritance, a house move, or a worry about cover. We start there, then map out whether one piece of work or a wider plan is the right shape for you.
The first conversation is free of charge. After that, any work has a fee, which is agreed with you in writing before it begins.
Ongoing advice charges are typically a percentage of the assets under advice, set out in your written agreement. You will see every cost on the page before you sign anything.
Both. Some clients come for a single piece of work, like a pension transfer or a protection review, and don't need ongoing advice afterwards. Others want a continuing relationship with annual reviews. The first conversation will help you decide what's right for you.
No. Lemoca is Sheffield-based but advises clients across the United Kingdom. Most reviews happen by video call, with in-person meetings when you'd prefer or when the work calls for it.
Nothing happens until you say so. The recommendation is yours to read, ask questions about and sit with. If you decide to proceed, we handle the paperwork and the implementation. If you decide not to, that's the end of the matter.
Yes. For corporate and intergenerational work especially, the best results come from us coordinating with your existing advisers. We'll only contact them with your permission.
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Not sure which of these you need?
That is exactly what the first conversation is for. We will help you work it out, in plain English, with no obligation to do anything afterwards.