Call us on 01202 622223 for a no obligation consultation
Call us on 01202 622223 for a no obligation consultation

INDEPENDENT FINANCIAL ADVICE IN DORSET

Welcome to Apex CB Financial Planning. We provide Independent financial advice in Dorset. We are based in Holton Heath, near Poole, Dorset.

We have an experienced team providing holistic financial advice and Wealth Management services. You can find out more about how we work and our range of services using these links.

Acting with trust and integrity in central to our core values when dealing with you. Finding a financial advisor that you can trust can be difficult. You will see that we have great reviews, so you can be sure that we are as good as our word.

Our “whole of market” status means that we have access to the full range of regulated financial products and services. So, you can be assured that we will always put your interests first when looking after your money.

We cover Poole and Bournemouth, and Dorset and South Hampshire, and can offer home visits, or meetings at our office at Holton Heath. If you need disabled access we can help, and have ample free parking, so please let us know if you need any extra assistance.

To find out how we could help you please call on 01202 622223 or complete our contact form to request an appointment – free of charge and with no obligation.

We look forward to welcoming you, and hope that you will become one of our many clients who have enjoyed many years of great service. If you haven’t done so already please rad our Testimonials and online reviews.

Saving & retirement services

Saving & retirement services

Whether you want to find the best ways to make your savings grow or if you’re planning for your retirement, we provide specialist advice and a ‘whole of market’ approach to help you to select the most suitable products.

Tax planning

Tax planning

At Apex CB Financial Planning we can help you to develop a tax-efficient savings and investment strategy.

Insurance & mortgages

Insurance & mortgages

We can help you to find the right insurance products for your needs, so you'll be fully covered if the worst were to happen.

For new residential lending and re-mortgages, buy-to-let, commercial lending and equity release, talk to our mortgage specialists.

Corporate services

Corporate services

Corporate financial planning services that add real value to your business, whether protecting it from unexpected events, tax efficient strategies for investing surplus profit, or advice on maximising the revenue from business exit strategies, sales or acquisitions.

HM Armed Forces

HM Armed Forces

At Apex CB Financial Planning we understand service life and the issues and challenges that you face. We have helped many serving and retired members of HM forces to plan for their financial future, including Royal Marines, SBS, Army and RAF personnel. Confidentially is our strength.

Invest online

Invest online

Managing your ISA couldn’t be easier than with the Apex CB ISA Portal, which allows you to manage your investments at the touch of a button.

latest news

Keeping you up to date with the latest from Apex CB and financial news that may affect you.

Market Update from John Redwood of Charles Stanley & Co

2nd April 2020

Illustrative image of chart

 

The movements of share markets are dominated by views of how long the lockdowns will last and therefore how much of the temporary damage to companies and economies becomes more permanent. Yesterday the bears were in the ascendant, as the severity of the US epidemic seemed worse, whilst there are few signs of early relief in Europe. The European share indices, the S&P 500 and the Indian Index all saw falls. The news background on the virus is also becoming more disturbing, as political oppositions nervously move from support for governments fighting what are seen as a series of parallel national crises, to questioning strategies and competence of governments at handling the disease. In the USA, Joe Biden, Trump’s front running challenger for the Democrats, has appeared side-lined by the crisis, but the Mayor of New York through daily news conferences offers criticism and alternative approaches to Washington.

 

Attention now turns to the response of the European Union to the pandemic. The European Central Bank has made its substantial contribution through expanded QE programmes and various liquidity and banking measures. The national and EU authorities are finding coming up with large fiscal responses a bit more difficult, given EU rules and overlapping responsibilities. The EU has announced relaxations of state aid rules to allow member states to direct cash to businesses in trouble or needing financial support to carry employee costs when they are short of revenue. It has allowed states some fiscal flexibility for the short term, recognising that states will want to increase spending at a time when tax revenues will plunge with inevitable consequences for their budget deficits and build-up of state debt. This leaves the worst affected member states like Italy asking what financial support there will be for them from the EU itself.

 

The southern countries with larger state debts and past deficit problems have always wanted the EU to provide more cash through the issue of Euro bonds backed by all Euro area states. The northern countries led by Germany have always resisted, insisting that each member state limits its deficit and reduces its state debt to 60% of GDP to preserve the financial discipline of the zone. On this occasion Germany is prepared to countenance lending to countries like Italy from the European Stability Mechanism funds. Any such loans would come with conditions attached to show some longer-term commitment to the strict rules on debts and deficits. This is not attractive to the potential borrowers. Others think a half-way house would be for the EU to set up an EU fund that provided extra cash to distressed countries suffering from the virus, either as grants or easy terms loans. The southern countries would prefer the issue of Coronabonds underwritten by the whole Euro area with the proceeds spent where they are most needed.

 

A further possible compromise would be to all agree that the European Investment Bank should add health-related spending to its predominantly green agenda for loans to economic activity throughout the EU, with measures to increase the EIB’s capacity to lend. The Germans could probably accept that as it continues a current system for EU-wide lending and is supervised by an Institution that requires certain standards be met by borrowers. The southern countries would need some reassurance that the categories of loan they need for the crisis would be available on acceptable terms to them.

 

Meanwhile economies deteriorate at pace and the member states have substantial cash needs that will require funding in their domestic bond markets. These issues will go ahead whatever the rules still say, resulting in further large debt build-ups amongst the weaker countries. The Euro remains a half-completed project, with a reluctance to put the weight of the taxpayers of the whole zone behind the debts of individual country parts of it. The larger deficits the virus will cause will be an additional strain on the architecture and on market valuations of the debts of the weaker countries.

 

Yesterday saw a big leap in Universal credit applications in the UK whilst today will see some dreadful unemployment numbers in the USA. The reality of the economic damage is now coming home to people in hard numbers, each revealing the collapse in paid employment and the severe fall in demand from the closures. Three or four weeks of this creates a big hole but recovery could be relatively strong and quick if all restraining measures were lifted soon. On the more likely scenario that substantial restrictions in the USA and Europe continue for longer, markets are right to worry about the blizzard of cut dividends, capital reconstructions and disappearing profits to come.

 

Remember, if you need any help or advice you can reach Apex CB Financial Planning on 01202 622223

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Keep up with the Markets

1st April 2020

Markets are moving dramatically in response to the Coronavirus outbreak, but the management teams that we work with are taking good care of your money. You can use these links to watch the latest updates:

From True Potential Investment Managementhttps://www.youtube.com/watch?v=jA2vRXlS8v0

 

Remember that you can telephone us and speak to your adviser, or check your portfolio online, if you are concerned.

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New financial planning topic videos added to our website

1st May 2019

chris_ryan_Apex_CB_financial_adviser

We have been working with Independent Check Ltd to add “explainer” financial planning topic videos to our website. We find that clients sometimes struggle to get to grips with complex financial topics, and in many cases videos get the message across better than lengthy text descriptions. Initially we have covered 5 topics, and more will be added in time.

Videos help explain ideas by using different perspectives. Not only do you hear the description, but also see a visual explanation too. It’s like someone drawing a picture to help you understand. They also allow us to give you examples of how the subject relates to you. If a single picture is worth a thousand words, animated pictures are worth a whole lot more!

You can see the links to our videos here:

 

Our mortgage expert, Liz Murley, has been working  with the Equity Release Council to develop the Equity Release video. You can read more about her work in this project here.

We hope you enjoy the videos and find them interesting and enjoyable. Please do leave us comments on our YouTube channel.

 

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