Independent Financial Advisers · Chartered Financial Planners · Discretionary Wealth Managers

Worcester: 01905 613453
Evesham: 01386 422611
Cheltenham: 01242 386650

Independent Financial Advisers · Chartered Financial Planners · Discretionary Wealth Managers

Individual Services

  • Key specialist services essential to our integrated, holistic approach 
  • Experienced professional specialists in each individual service

Our complimentary initial meeting with you enables us to to discuss your current situation, requirements and objectives and agree a plan of action. It makes it possible to identify and prioritise what needs to be done, and where to start. In most instances, this will be with one or more of the specialist areas listed below.

Financial Planning

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Since 1998, we have been providing bespoke, Personal and Corporate financial planning reports for our clients. These reports are prepared on a fee basis which is set out and agreed in advance.

It is our responsibility to highlight all areas that we feel may have an impact on you, although we will agree on the specific areas that you want to address based upon your priorities.

Retirement Planning

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At McCarthy Taylor, we believe planning for retirement should be about providing options and fulfilling ambitions. Together, we will provide a flexible plan which we will review at least annually, to enable you to achieve the retirement that is right for you to enable you to continue with your required standard of living. Such ongoing reviews are vital to ensure you are on target to meet your objectives and if not then corrective action can be taken before it is too late.

As Independent Chartered Financial Planners we advise on pre and post-retirement solutions, which may include SIPPs, SSASs, Stakeholder pensions, Capped & Flexible Drawdown, Third way products and all types of annuities including lifetime, term, asset-backed and enhanced annuities. We also provide expert opinion when pensions are to be included as part of a divorce settlement.


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Protecting the financial security for you and your family is of the utmost importance to us when providing our holistic financial planning service.

We take pride in building close business relationships with our clients and it is our responsibility to ensure the unforeseen is considered with a solution that ensures your standard of living is not compromised if the unexpected happens.

We will effectively take you to the edge of the abyss, to take a look in and consider the worst that can happen, but then provide for the financial implications that may arise. We cannot prevent death or illness or the emotional consequences but we can provide for the financial ones....

Key solutions in this area may include Whole of Life Assurance, Term Assurance, Family Income Benefit, Critical Illness Cover, Income Protection and Medical Insurance.


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It is often difficult to know who to trust when making the right investment choice. We are bombarded on a daily basis by the media and even our own banks, as to where we should be investing. But how do you know if the advice they are providing is really right for you?

As fee based advisers and discretionary investment managers we have no preference towards any particular company or solution. The objective is to ensure our bespoke solution meets your needs, in the most tax efficient manner.

We keep charges to a minimum with no hidden extras. To this end we have negotiated access to market and custodian arrangements with a leading stock broker at substantially discounted terms. We invest in low cost options and prefer straightforward transparent assets in our portfolios. For many clients this will mean directly held shares, bonds and gilts, Exchange Traded Funds, tracking indices or specialist assets, also Investment trusts, Collectives and similar arrangements to use the skills of global fund managers and active stock picking experts.

Whilst many advisers have opted to go down the 'Restricted' route and offer 'model' portfolios since the introduction of the Retail Distribution Review (RDR) on the 1st January 2013, we have not, and prefer to construct bespoke portfolios for all clients.

Independence and bespoke advice is at the heart of what we do. We, therefore, have the knowledge, experience and ability to advise on the right solution, this may be, or include a combination of, ISAs, Onshore and Offshore Investment Bonds, VCTs, EISs, and a wide variety of other structures to meet client needs.

Inheritance Tax (IHT) Planning

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Whilst you may have the most efficient portfolio structure at present, it is imperative that you consider what would happen if the unexpected, or indeed the inevitable, happens.

There are many simple and effective ways to mitigate Inheritance tax if plans are put in place to ensure your beneficiaries receive the benefit of the estate you have created or perhaps inherited yourselves.

By working with skilled legal advisers, we can ensure the right solution is utilised depending on your requirements for access, flexibility and tax mitigation.

We consider the various allowances that everyone has available and how it is possible to gift more than the allowance available, without any tax liability.

In addition, we would also consider the use of various IHT solutions including trusts, AIM portfolios, EISs, life policies and specialist IHT solutions to meet your requirements.

Pensions & Divorce

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Unfortunately we are seeing an increasing number of marriages ending in divorce. In many cases one or both partners has significant pension assets that make up a large percentage of the matrimonial assets.

Pension rights can be one of the most complex aspects of a divorce or dissolution settlement. It is imperative that advice is obtained from the various professionals to ensure all angles are covered, including the services of a solicitor and independent financial Adviser.