INDEPENDENT FINANCIAL ADVICE
PARTNER SERVICES from MARSLAND NASH
Marsland Nash Associates would like to introduce you to Gwen Adair, an independent financial advisor (IFA), from PRG Independent Ltd, who has been providing our clients with help and guidance in the field of financial planning for many years.

What are your financial planning needs?
Whether you are looking for advice on your personal or business affairs, Gwen will listen to your ideas, plans and future aspirations. After gaining a thorough understanding of your needs, she will provide you with unbiased advice and suitable recommendations. Sometimes the answer is straightforward, sometimes it is more complicated and sometimes it is simply a question of reassurance that everything is on track.
Put simply it’s about making sure you have the right money, in the right hands, at the right time.
Seamless Services
Working in conjunction with Marsland Nash Associates the association benefits our clients by providing a seamless service, covering both your personal and business affairs and future investment strategies.
Personal & Business Protection
Some risks are easy to identify such as potential damage to your property or business stock or premises. For businesses the hidden risks, which may lead to loss of profit, or have a serious impact on the future viability of your business, need to be carefully considered.
Gwen will work with businesses to identify the associated business risks and suggest measures to reduce the problems caused by the loss of key staff, partners or directors.
Retirement Planning and Employee Benefits
Retirement planning is a complex area.
Retirement planning for directors, partners and staff is becoming increasingly significant, especially since the introduction of Auto-Enrolment.
Pensions freedoms, announced in 2015, have created more choice in the way pension funds can be accessed. It is vital that you know the right level of income you will need during your retirement. In addition to reviewing your existing plans, you will benefit from having help to understand the options available that can provide you with the right retirement income and how any shortfalls could be bridged.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.Investment Planning
Investment Planning
There is a vast range of investment and savings options available. Gwen can help clients explore how they can make the most of their savings and investments in ways the client can understand and be comfortable with.
The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.
Inheritance Tax Planning
It is important to plan for Inheritance Tax. The most important starting point for this is ensuring that you have a valid, up-to-date Will, which in turn might require you to consider the most effective use of tax exemptions. Clients will be helped to identify the most appropriate products or investment vehicle or the establishing of Trusts to protect assets for your beneficiaries.
Reviews
Personal Reviews are designed to bring peace of mind by providing the security of a financial review. The aim is to ensure that your investments, pensions and saving continue to work for you and develop to meet your needs as your circumstances also develop and change.Business Reviews focus on existing pension planning, including auto-enrolment, as well as checking that any existing business protection plans remain suitable. The review will also take into account your future plans.
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If you have any ideas or thoughts on how we can improve this website for your benefit then please contact us. All comments and criticisms welcome.
Background
Gwen has been working in financial services since University, becoming an IFA in 1999. Gwen has additional specialist qualifications in pensions, retirement options, and long-term care.
Gwen’s other passion is motorsport and regularly navigates at events throughout the country. Her love of motorsport has given her the chance to race in France and in Mexico in the Baja 1000, which ties in with her love of travel.
Gwen is active in her local community and has recently become Chair of her local village hall, which is a vital resource for the village and surrounding area.
If you would like to speak to Gwen please let your usual contact at Marsland Nash Associates know

Gwen Adair, PRG Independent Ltd
(m) 07979 010332
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