When you retire you still need food and shelter as an absolute minimum, but of course you will want. Often, people save for a specific reason and it's usually the safest way to build up a pot of money. The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.
Our understanding of your current financial situation is the keystone to the formulation of a financial plan which will meet your future needs. Many people have goals and dreams, but a goal without a plan is just a wish. So it all starts with listening. We listen to your needs, your hopes, your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.
This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future.
Our understanding of your current financial situation is the keystone to the formulation of a financial plan which will meet your future needs. Many people have goals and dreams, but a goal without a plan is just a wish. So it all starts with listening. We listen to your needs, your hopes, your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.
This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future.
Services
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them.
John has worked in the Financial Services sector for over 30 years.
He values his clients highly and has looked after a number of his clients over this period.
Steve is one of the founder members of C.M.D Financial Solutions Ltd and has worked in financial services for over 30 years having begun his career with large insurance companies.
Mark has worked in the Financial Services sector for 27 years.
John has worked in the Financial Services sector for over 30 years.
He values his clients highly and has looked after a number of his clients over this period.
Steve is one of the founder members of C.M.D Financial Solutions Ltd and has worked in financial services for over 30 years having begun his career with large insurance companies.
Mark has worked in the Financial Services sector for 27 years.
Are you looking for a friendly and well established firm of mortgage brokers & financial advisors?
CMD Financial Solutions Ltd was originally established in 2001 to provide advice the individual and corporate clients across the UK from our offices in Carlisle.
Offering clients advice on Residential and Commercial Mortgages, Investment and Pension Planning, Personal Insurance, Home Insurance, Commercial & Business Insurance, you can choose to deal with us on a face to face basis - meeting in our offices, or by visiting you at your place of work or in the comfort of your home - but if you're pressed for time and would rather communicate by phone or email then that's fine too: it's a matter of what best suits you.
CMD Financial Solutions Ltd was originally established in 2001 to provide advice the individual and corporate clients across the UK from our offices in Carlisle.
Offering clients advice on Residential and Commercial Mortgages, Investment and Pension Planning, Personal Insurance, Home Insurance, Commercial & Business Insurance, you can choose to deal with us on a face to face basis - meeting in our offices, or by visiting you at your place of work or in the comfort of your home - but if you're pressed for time and would rather communicate by phone or email then that's fine too: it's a matter of what best suits you.
We meet together to discuss your personal circumstances and your current financial situation.
We'll go into detail so that we can draw up a complete picture of where you are now, and where you want to arrive.
We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our financial plan.
Next we discuss your objectives and your aspirations, as well as any concerns that may arise.
We'll go into detail so that we can draw up a complete picture of where you are now, and where you want to arrive.
We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our financial plan.
Next we discuss your objectives and your aspirations, as well as any concerns that may arise.
Wealth, just like your health, must be carefully preserved.
Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy.
Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep at night, but the unidentified risks are a far greater threat to your wealth than tax.
Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy.
Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep at night, but the unidentified risks are a far greater threat to your wealth than tax.
Equity release is typically available to people who are over the age of 55 and have their own home with a significant amount of equity, but don't have enough money or income for their needs.
Where equity release is a suitable solution and you take out a lifetime mortgage or home reversion plan, the money does not usually need to be paid back or the home sold until the last remaining borrower dies or moves into care, although this may not be the case, for example if you make repayments to preserve as much of the inheritable estate as possible.
Where equity release is a suitable solution and you take out a lifetime mortgage or home reversion plan, the money does not usually need to be paid back or the home sold until the last remaining borrower dies or moves into care, although this may not be the case, for example if you make repayments to preserve as much of the inheritable estate as possible.
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