Your expert Guernsey Financial Planner
Start your journey towards financial freedom. We tailor solutions for savings, investments, life assurance, and pensions, preparing you for the future and the unexpected.
Speak to an expertSecure your future with expert planning
Preparing for the future has never been more important. Whether it's safeguarding your family’s wellbeing, investing wisely, or ensuring a comfortable retirement, our comprehensive financial planning services can guide you through the maze of financial options towards a secure future.
Savings: Prepare for Tomorrow, Today
Life is full of surprises. Having a robust savings plan is essential for weathering the expected and the unexpected. Oracle’s in-house savings scheme connects you with major fund managers, offering flexibility and leading market terms. Whether it's saving for a special family event or building a rainy-day fund, we're here to provide the attractive solutions you need.
Investments: Strategies for Your Financial Plans
Every investor is unique. Oracle understands that not everybody wants to invest their money in the same way; that’s why we tailor your investment plan to suit you. Whatever your attitude towards risk and reward, our vastly experienced independent financial advisors can create a bespoke plan which operates exactly the way you want it to. Whether you're conservative or seeking growth, our independent financial advisors are experts in crafting investment plans that reflect your personal risk tolerance and financial goals. Experience investments designed to perform exactly as you want.
Life Assurance: Protect What Matters Most
Ensuring the people who mean the most to you are kept secure in the event of life’s uncertainties is paramount. Oracle offers personalised life and critical illness assurance plans tailored to you. Our independent advisors will help you choose the right coverage, providing peace of mind for you and your family.
Pensions: Your Retirement, Your Way
For Guernsey residents, our Retirement Annuity Trust Schemes (RATS) offer a flexible and tax-efficient retirement planning solution. The Oracle Multi-Member RATS is designed for those seeking communal benefits, while our expertise in Qualifying Recognised Overseas Pension Schemes (QROPS) offers expatriates the best offshore pension structures and tax advantages. Start planning your dream retirement today.
Your Future Begins Here
Taking the first step towards a secure financial future is easier than you think. Contact us to discuss how we can tailor our financial planning services. Whether it’s planning for your retirement, investing for growth, or securing your family’s future, our experts are here to guide you.
Speak to an expertOr call 01481 727347. It’ll only take a sec.
Financial Planning FAQs
From savings and investments to pensions and life assurance, get the answers you need.
What is financial planning?
If you have financial goals, financial planning helps you to make them a reality. We will review your current finances and our expert independent financial advisors will help you to create a plan to reach your objectives. This can be monitored and reviewed to make it fit for purpose as time goes on.
What does a financial advisor do?
Our financial advisors help you to build an image of your financial situation and identify ways to achieve your goals. They will ask you questions to fully understand your circumstances, wants, and needs to make it fully personalised. This includes aspects like income, assets, expenses, liabilities, retirement plans, and more.
Do I need a financial advisor for my pension?
Expert financial advice can be useful when investing in your future pension and retirement plans. With a wealth of experience, our advisors can help you to understand any requirements to help give you the best chance to achieve your goals.
Will I have to invest my money?
Our financial planners will advise courses of action specific to your wants, needs, and circumstances. If you are not comfortable investing money, then you will not have to. If you are keen to invest, then our team will guide you to the best options identifiable. All this is done in full consultation with you, so you’re always in the know and in the driving seat.
What are the risks?
The level of risk will depend on your personal circumstances and your decisions in how you manage your finances. Each plan is unique, so it’s worth speaking to our team to find out exactly what your situation would be.
How will I be able to speak to my financial advisor?
You can speak to our financial advisory team and find a regularity and medium of communication that works for you. If you prefer phone calls to emails, or texts to in person meetings, just let us know and we would be happy to accommodate.