Welcome to STK Associates
STK Associates is an independent financial advisory company established in 1993, we provide financial services to individual clients, self-employed, company directors within a 40 mile radius of Slough, Berkshire.There is one full time qualified financial advisor and one full time administrator looking after the interest of our Clients. Clients benefit from a personal service locally with the added security of a company authorised by the Financial Services Authority.
The service we provide is a very personal one, in which we aim to gain a good knowledge and understanding of our clients, developing a long-term relationship based on trust, service and accessibility. Clients can contact us via our website, by e-mail or by fax at all times, and by phone and face-to-face during the normal working hours which are Monday to Friday from 9am to 9 pm, and on Saturdays from 9am to 6pm.
By using the latest technology and research tools together with our expertise in areas such as pre retirement planning and post retirement planning, mortgages and commercial loans, savings, investments, alternative investments, estate planning, and protection we are able to source the best package for your needs
Although we give a comprehensive financial planning service, we also specialise in advising on tax matters, tax planning, and tax incentives, including Enterprise Zone Trusts, Venture Capital Trusts, Enterprise Investment Schemes and CGT (Capital Gains Tax) deferral companies.
Our service to companies includes advice on executive pension schemes, shareholder protection, stakeholder pensions and other staff benefits.
The problem with many big businesses today is that very often they don’t know that you even exist, let alone care about you. Our great strength is our personal relationship with you, our customers and we aim at providing a service from the cradle to grave, the relationship that develops can be your ‘golden egg’ providing financial security for you and your family.
STK Associates helps you identify your financial priorities and goals, comprehend various investment alternatives and build a financial plan. STK Associates can give advice and/or recommend alternatives and/or buy investment options. In any case, we need to follow the six basic steps of the Financial Planning Process given below.
Clearly define the relationship between STK Associates and you.
Establish what services we are going to provide you with. This will depend on your requirements and our areas of expertise. Chart out your’s and our responsibilities, define the duration of our professional relationship and we will then put it in writing. Establishing how STK’s services are paid. We will advise you as to whether we would be paid by commission or fees or a combination of both.
Share financial information.
STK Associates will ask you about all aspects of your personal finance. Both you and us should mutually define your financial goals, estimate the timeframe required to reach those goals and set down your risk attitude. This will help us to come up with a financial plan that best suits your requirements.
Analyze your current financial status.
STK Associates should have full knowledge of your current financial situation, debts and outstanding loans. Depending on the services we provide, we will undertake a thorough analysis of your assets, liabilities and cash flows; evaluate if your insurance policies are adequate and review your investments.
Develop recommendations.
STK Associates will now draw up a financial plan, keeping in mind your current financial status, risk attitude and long term goals. We will thoroughly explain the recommendations/alternatives suggested in the plan. We will also immediately address any misgivings you may have with the plan or recommendations. This includes a review of the recommendations and coming up with new ones. Once you are fully aware and satisfied with the alternatives, you can make an informed decision.
Implement the recommendations.
Once the recommendations have been agreed upon, it is imperative that they should be carried out immediately. We would expect you to implement the recommendations at your ease. It is possible that certain aspects of the recommendations will need the support of other specialised advisers like solicitors, stockbrokers or accountants.
Monitoring the recommendations.
A constant review of your financial decisions is necessary to know whether your financial plan is on track. We will take the responsibility for the monitoring of your progress. We will then send you periodic reports of your financial assessment, suggest any changes to be made and update your financial plan. If the initial recommendations are not turning out as well as anticipated we then modify the recommendation and tune it to your needs
Whatever your financial needs STK Associates are here to guide you through the process