Friendly, Independent Financial Advice in the heart of Horsham

We have been providing trusted, personalised financial advice and investment management in Horsham for more than 15 years. We always remember that our clients are our business; we care about the things that matter most to you and work closely with you to forge strong relationships that last the test of time.

Wealth
Management

We are one of the region’s leading independent wealth managers. Through our flexible, bespoke and personal wealth management service, we are here to help you achieve your financial and lifestyle goals and ambitions.

Investment
Management

Our investment team is comprised of highly skilled, like-minded experts who have come together to do things differently based on a set of shared values and principles resulting in portfolios that maximise returns while staying within your comfort zone on risk.

Pension
Advice

Retirement Planning is often at the forefront of our minds, but it's crucial to know if you are on the right path to being able to maintain the lifestyle that you want and take account of changes that may affect your plans when heading into your retirement.

Your financial plans in
expert hands

Retirement planning is a long-term commitment, but wherever you sit in your retirement journey, we’re here to support you. Whether it’s starting a pension, saving more into your plan or helping with your options for retirement.

Neil Mercier - Principal at Mercier Allen & Associates

Investments and savings

Our investment strategy draws up a detailed future financial plan with funds that are chosen for you with specific and targeted outcomes for your investments.

Pensions

We carry out specialist analysis and reporting based on your existing pension fund, existing dormant funds and your personal pension ambitions and suggest a plan that's right for you.

Are you ready for retirement?

Being ready to retire means more than just no longer getting up to go to work. What it really takes is a solid grasp of your money, a carefully considered investment and spending plan for your life savings, debt that’s under control, and a plan you’re excited about for how you’ll spend your days.

Spring 2022 Forecast Statement Guide

What does the Spring 2022 Forecast Statement mean for you? In our comprehensive guide to the Spring 2022 Forecast Statement, we reveal the key announcements and their effect both on individuals and businesses across the UK.

Smart Money Newsletter Issue 105

It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions. There are a number of key principles that every investor should follow with the aim of building an effective long-term strategy designed to achieve their financial goals.

As your income increases, the complexity of your finances may too. Tax efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life. However, the type of investment and tax efficiency you should be looking for depends on whether your priority is to save a lump sum for the future or to draw an income today. 

As you approach the last five years before your retirement, there will be a lot of things to consider. You’ll need to think about your finances, your health, your housing situation and your plans for the future to live comfortably in retirement. There will also be lots of questions to ask and a number of things to review in order to ensure you have a comfortable and enjoyable retirement.

The rising cost of living is one of the most pressing issues facing many families today. The price of food, energy, fuel and other necessities has risen significantly in recent months. This has made it difficult to make ends meet and has put a strain on many household budgets. As many people feel the squeeze as the cost of essential items continues to increase, there are a few important things to consider to maintain your financial wellbeing.

Getting your retirement plans in motion

When it comes to retirement planning, there are a lot of
things to consider. First and foremost, you need to make sure that you have enough saved up to cover your costs. This includes things like living expenses, health and care costs, and any other debts or financial obligations you may have.

You also need to think about how you want to spend your retirement years. Do you want to travel? Spend
time with family and friends? Pursue hobbies or interests? Whatever you want to do, it’s important to have a plan in place so that you can make
the most of your golden years.

Last but not least, don’t forget to factor in inflation when planning for your retirement. Over time, the cost of living will go up as we’ve seen recently, so you’ll need to make sure that your
savings can keep pace with rising prices. By planning ahead and taking all of these factors into consideration, you can look forward to a comfortable and enjoyable retirement.

If you would like to find out more or arrange an appointment, please get in touch.

Financial Guides

Our financial guides are designed to help you help you better understand your money and make better financial decisions.

The Future Of Retirement

Guide To The Future Of Retirement

We all have our own idea of the life we’d like to lead after we’ve left the nine-to-five behind. Whatever retirement looks like for you, it’s important to make the right plans now, so that you have the freedom to enjoy the time when it comes, however you choose to fill it.

Insights

Wealth vs health

Wealth vs health

More than half ignore medical advice and work despite poor health due to financial worries When you are off work due to an illness or injury, worries about …

Read More
Rising cost of living crisis

Rising cost of living crisis

3 tips to maintain your financial wellbeing The rising cost of living is one of the most pressing issues facing many families today. The price of food, energy, …

Read More
Managing the impact to your pension

Managing the impact on your pension

Just two out of five have planned for inflation in retirement Retirement planning can be complex at the best of times so it is easy to understand how …

Read More
Self-employed vulnerable to financial shocks

Self-employed vulnerable to financial shocks

New research highlights that 81% aren’t seeking financial advice As more and more people reject the traditional working structure in favour of becoming self-employed, some people could be …

Read More
Show me the money

Show me the money

How to invest your money and avoid costly mistakes The staggering impact of the gender pension gap has been revealed in new research[1] which shows that women have …

Read More
Cost of “saver inaction”

Cost of “saver inaction”

Millions of savers think inflation will leave them better off Despite inflation reaching its highest rate in many decades, some people in the UK are not aware of …

Read More

Meet our dedicated team

Professional, expert, independent financial advisors with many years of experience and success – we’ve built our reputation on transparency, accountability, and trust.

Neil Mercier - Principal at Mercier Allen & Associates
Neil Mercier
Principal
Fiona Jones - Client Relationship Manager at Mercier Allen & Associates
Fiona Jones
Client Relationship Manager
Kylie Lambert
Office Administrator
Joanna Webb - Office Administrator at Mercier Allen & Associates
Joanna Webb
Office Administrator