Our Services

Who We Help

People come to Ginkgo Financial at many different stages of life, often with similar questions: Am I doing the right things? Could my finances be working harder? Is my family properly protected?

Our role is to bring clarity, calm and confidence — whatever your starting point.

Below you’ll find a short guide to the people we typically support and the ways we can help.

Getting Started

Many people come to us feeling financially capable but not fully organised. You may have several pensions, savings or investments in different places and no clear sense of whether everything is working together. We help you get clarity, simplify things and feel more in control.

Common questions people ask

• “I’ve got pensions all over the place — should I bring them together?”
• “Am I doing the right things with my savings and investments?”
• “Am I on track for the future, or am I missing something important?”
• “Where do I even start with sorting this out?”
• “Could someone just help me get this organised?”

How we can help

• Gather everything in one place so you can see the full picture
• Explain clearly where you stand and what’s possible
• Build a simple plan that makes sense for your life
• Consolidate or streamline where appropriate
• Put tax-efficient, easy-to-manage structures in place

Growing Your Wealth

If you’re earning well or have money to invest, it’s natural to want to make thoughtful, confident decisions. Whether you’re building a portfolio, investing a lump sum, or looking to improve what you already have, we aim to help you grow your wealth with clarity and purpose.

Common questions people ask

• “How should I invest a lump sum?”
• “Am I making the most of my ISA and pension allowances?”
• “Are my current investments still right for me?”
• “Could my money be working harder without taking unnecessary risks?”
• “Is my long-term plan as strong as it could be?”

How we can help

• Create a clear, tax-efficient investment strategy
• Build or refine your long-term portfolio
• Review and improve existing investments
• Move scattered plans onto a single, modern platform
• Adjust your strategy as life and markets change

Protecting and Providing

Life can get busy — children, work, mortgages, ageing parents, competing priorities. It’s common to feel stretched and unsure whether everything is properly protected or financially sustainable. We help you create calm, structure and reassurance.

Common questions people ask

• “Are we saving enough for the future, given everything we’re juggling?”
• “Do we have the right protection in place for our family?”
• “How do we manage school fees alongside everything else?”
• “What happens if a parent needs support or care?”
• “Can we afford all of this without taking on too much risk?”

How we can help

• Build a family-focused plan that balances today with tomorrow
• Recommend life insurance, critical illness and income protection where appropriate
• Create cashflow projections that make decisions easier
• Help with planning for school fees or university costs
• Support you through caring responsibilities and changing needs

Running Your Business

When you run a business, your personal and business finances often blend together. We help you make sense of both — from protecting the business to planning your own future — so everything works in harmony.

Common questions people ask

• “How do I take profits out tax-efficiently?”
• “Am I making the most of my pension as a director?”
• “Do I need insurance to protect the business or key people?”
• “How do I plan for selling or stepping back one day?”
• “How do I keep my business goals and personal goals aligned?”

How we can help

• Profit extraction strategies that support your wider life
• Director pension and tax planning
• Business and key-person protection advice
• Succession and exit planning#
• A joined-up plan that connects your business and personal finances

Planning for Retirement

If retirement is on the horizon, it’s natural to want certainty and confidence. We help you understand what you have, what you’ll need, and when you can comfortably make the transition.

Common questions people ask

• “Do I have enough to retire — and when?”
• “Should I consolidate my pensions?”
• “How much can I safely take as income?”
• “What’s the most tax-efficient way to draw from my pensions?”
• “How should my investments change as I get closer to retiring?”

How we can help

• Build a clear retirement timeline
• Analyse and consolidate pensions where appropriate
• Create a sustainable withdrawal strategy
• Manage investment risk as retirement approaches
• Use cashflow modelling to show your options clearly

Enjoying Retirement

Retirement should feel secure and enjoyable. We help you make the most of your savings and investments, manage income sensibly, and adapt your plan as life unfolds.

Common questions people ask

• “Will my money last for the whole of my retirement?”
• “How much can I comfortably spend each year?”
• “Should I keep investing, or reduce risk now?”
• “How do I prepare for potential care needs later on?”
• “What’s the best way to pass money on without compromising my own security?”

How we can help

• Plan sustainable income withdrawals
• Manage investments with later-life needs in mind
• Provide cashflow projections to guide spending
• Support planning for future care
• Help you pass wealth to family in a thoughtful, structured way

Navigating Divorce

Divorce often brings a wave of financial questions at an already emotional time. We help you understand your position, rebuild confidence and create a clear plan for your next chapter.

Common questions people ask

• “What happens to our pensions and savings?”
• “How do we divide everything fairly?”
• “What will my finances look like on my own?”
• “Can I afford to stay in my home?”
• “How do I protect myself and rebuild after this?”

How we can help

Explain what your assets mean and how they fit together

• Analyse pensions and help you understand your options
• Support you in rebuilding a secure financial foundation
• Review and update protection needs
• Create a long-term plan for stability and independence

Protecting Your Legacy

Thinking about the future for your loved ones can feel sensitive, but good planning brings real peace of mind. We help you make decisions around inheritance, gifting and legal arrangements with clarity and care.

Common questions people ask

• “Will my family face an inheritance tax bill?”
• “Should I use trusts or gifting — and how do they work?”
• “Are my will and Powers of Attorney up to date?”
• “How do I make things as simple as possible for my family?”
• “What support is available with probate and estate administration?”

How we can help

• Inheritance tax and estate planning
• Advice on trusts and gifting strategies
• Support with Wills and Lasting Powers of Attorney
• Probate guidance for your family
• Help structuring your estate so your wishes are carried out smoothly

Want to talk things through?

We offer a free initial 30-minute call  to understand your situation, explain how we can help, and outline our fees clearly. There’s no obligation — just a chance to explore what’s possible.