At Fore Financial Planning, we’re committed to making high-quality financial advice accessible to everyone. We understand that personal finance can feel complex and overwhelming, so we tailor every service to suit each client’s unique goals, circumstances, and level of understanding.

Our passion lies in helping families build and protect their financial futures. Over time, we’ve developed a strong reputation across several key areas:

Business owners

Running a business means juggling multiple responsibilities, from managing cash flow and recruitment to navigating complex tax rules. We work with business owners to streamline their financial planning, helping them make the most of available tax allowances and reduce both personal and business tax liabilities. Whether you're scaling up, preparing for exit, or simply want to run a more tax-efficient operation, our tailored advice is there to support your long-term goals and financial wellbeing.

Oil & Gas Professionals

Working offshore offers excellent earning potential, but it also comes with unique financial challenges - irregular work patterns, complex tax arrangements, and limited access to traditional financial services. At Fore Financial Planning, we specialise in helping oil and gas professionals navigate these complexities with confidence.

Why our services are especially valuable to this sector:

• Tax Efficiency: Offshore workers often face dual tax obligations or miss out on allowances due to poor planning. We help clients optimise their tax position, ensuring they take full advantage of available reliefs and avoid unnecessary liabilities.
• Income Protection & Specialist Insurance: The physical risks of offshore work make income protection and life insurance essential. We advise on tailored cover that reflects the realities of the job and protects families from financial disruption.
• Pension Planning: Many oil and gas workers have multiple pension pots from different employers or countries. We assist in reviewing and advising on the options for the best opportunities for growth and accessibility.
• Investment Strategy: With high earnings and limited time, many professionals miss opportunities to grow their wealth. We create investment plans that match their risk profile, time horizon, and future goals. Whether that’s early retirement, property investment, or supporting family, we’ve got it covered.
• Remote Support: Given the nature of offshore work, we offer flexible communication options such as video calls, secure messaging, and digital document sharing so clients can access advice wherever they are in the world.

Busy Professionals

In demanding careers, financial planning often gets pushed aside. Yet as income grows, so do opportunities and risk. We work with professionals in fields such as law, engineering, and technology to help them take control of their financial future. Whether you're climbing the career ladder, changing roles, or planning for retirement, we’ll provide clear, strategic advice to help you make the most of your earnings, benefits, and long-term goals.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is generally dependent on individual circumstances.

Please note that advice with regard to exit strategy planning may involve the referral to a service that is separate and distinct to those offered by St. James's Place.