What we do
Financial planning for life
Choosing the right financial planner is one of your most important financial decisions — saving you time, money and worry. A planner should not be just for now, but for life.
At Radiant, we have almost 30 years’ experience in providing advice to the Veterinary profession. So not only do we understand financial planning, most importantly we understand it in your professional context.
Whether a newly qualified graduate, partner, practice owner or preparing for retirement, we have the expertise, access to products and markets to provide you with the advice, support and guidance you need to maximise your financial potential.
Whatever stage of your career, we are here to help you.
Starting out
When leaving University to start your career, your debt from education is usually a key issue, but early financial planning can help significantly.
With our specialist help you can get to understand your current and future financial needs, clear debt, plan for and buy your first home, plus protect you and your family for the future.
Protecting you and your family
Having worked hard to achieve your qualification, sadly circumstances can arise which may prevent you from working in your chosen profession, due to sickness or accident.
Our specialist knowledge will ensure that you get the right protection if the worst were to happen. This means you will continue to receive an income, or your family and loved ones a lump sum, if you become critically ill or die prematurely.
Developing your finances
Our clients’ investments sit at the very heart of our holistic financial planning service. We focus on your long term goals and objectives, alongside your attitude to investment risk. From this, our highly qualified financial planners work with you to design the right investment portfolio.
Financing your home
When you are working in a veterinary practice and looking for a mortgage, you are likely to come across some obstacles when trying to find the right solution for financing your home
We are experienced in arranging mortgages for veterinary personnel, with access to lenders who understand the profession and are more likely to offer preferential terms and lending criteria.
Developing your practice
Our planners have vast experience in working alongside veterinary practice owners, providing robust corporate financial planning solutions. Whatever you want to achieve from your business, we have the expertise to support and guide you from start to finish.
Rewarding your team
When you get employee benefits right, everyone benefits. We can tailor and put in place solutions which help to educate, engage and motivate your staff, plus enhance their financial wellbeing.
Planning for retirement
Retirement takes many forms; it can happen all at once or be phased in over a number of years. Traditional pensions now form only one part of a person’s retirement plan, so we will work with you to find out your aims in retirement, and create a plan to ensure you get the financial freedom you desire.
Selling your practice
We have extensive experience in guiding practice owners in exiting from their business. Our independent, joined-up approach means you have a single point of contact who manages the entire process.
Uniquely, we will get you the right buyer, achieve the best sale price, and maximise your tax savings.
How we advise you
We offer a complimentary initial consultation. After that, if your needs and objectives match the advice and service we offer, we will then take you through our carefully designed and structured five-step advice and service process.
By offering regulated and experienced advice in each of these areas, our clients enjoy a range of advice and services not available elsewhere.
1
Discovery meeting
Introduction to our advice and service process and costs. Discussion about your personal and financial circumstances, immediate needs and long-term objectives, and understanding of investment risk.
2
Research & Analysis
If you agree to proceed, we will analyse your current situation and carry out research for appropriate solutions. We use this to develop your Financial Plan and our subsequent recommendations.
3
Recommendations
We will arrange a second meeting to present the recommendations contained in your Financial Plan, discuss the way forward and which plans to implement, and agree mutual commitment to proceed.
4
Implementation
Completing the necessary documentation to implement agreed recommendations, submission of documentation to product providers, and monitoring the application process to ensure plans are put in force correctly and on time.
5
Monitor & review
Regular review meetings, to monitor and review your Financial Plan to ensure the advice remains consistent with your needs and changing circumstances.