Welcome
Independent Financial Advice
Investments | Pensions |
Estate Planning | Financial Protection
About Us
Roseum Financial Planning
My name is Michaela, and I am a UK independent financial adviser. My brand is Roseum Financial Planning.
I provide regulated financial advice on:
- Investments
- Pensions and retirement planning
- Estate planning
- Financial protection
I provide advice online via Microsoft Teams, so there's no need to travel to my office for meetings. Wherever you are in the UK, I can work with you.
"Independent" means that I can recommend you financial products and solutions from across the whole of the financial services market. Some Financial Advisers are "restricted" and are only allowed to advise on a "panel" of pre-approved products. As an independent adviser, I am under no such restriction. The benefit for you is that I can consider a wider array of options when formulating your advice.
I specialise in working with individuals, small businesses, trusts, and charities.
I am a Chartered Financial Planner which is a professional designation awarded by the Personal Finance Society.
I am a Practitioner of Financial Planning which is a professional designation awarded by Practical Financial Exams.
These designations mean that I hold two Bachelor's level qualifications in Financial Planning, and subscribe and commits to a programme of ethical standards, ongoing assessment, and continued professional development.
Peregrine & Black Investment Management
Roseum Financial Planning is a trading style of Peregrine & Black Investment Management Limited. I am therefore supported by Peregrine & Black.
Peregrine & Black is a fully integrated financial services group, established in 2012 with offices in the UK and Bermuda. The group offers two principle services, Investment Management and Institutional Trading.
Investment
Pensions and retirement planning
Pensions and retirement planning
Protect your money against inflation, grow its value, and/or use it to provide you with an income.
Pensions and retirement planning
Pensions and retirement planning
Pensions and retirement planning
Provide your required income in retirement.
Estate planning
Pensions and retirement planning
Financial Protection
Provide the biggest possible legacy for your family by mitigating Inheritance Tax.
Financial Protection
Pensions and retirement planning
Financial Protection
Ensure you and your family are financially protected against the impact of death, critical illness, and more.
Working with the LGBT+ Community
Some financial issues disproportionately affect the LGBT+ community. For example:
- Values-based investment solutions which avoid organisations and/or countries with anti-LGBT+ laws and/or culture.
- Eligibility for death benefits under defined benefit pension schemes.
- Life assurance for people living with HIV.
- Estate planning, whether married, in a civil partnership, or cohabiting, with or without adopted or biological children.
I can discuss these with you, and recommend LGBT+ friendly investment solutions. I have conducted extensive research and believe that whatever your situation, I can recommend an appropriate financial plan.