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Pareto Financial Planning Limited is an award-winning firm of independent financial advisers (IFAs), with an established reputation for dealing in all areas of financial planning.

From our Manchester city centre offices, our experienced and highly-qualified financial advisers work alongside a professional team of support staff. Skilled in many administrative areas, we use the latest systems to deliver the highest standards of service to our clients.

Pareto has over £700 million under influence on behalf of thousands of diverse clients, from high net worth individuals to global PLCs. We successfully manage employee benefit solutions such as workplace pension schemes for over 500 companies and provide investment & savings advice to a wide range of private clients.

Our success comes from focusing on long-term relationships, ensuring we understand our clients’ financial goals, and provide clear summaries and pro-active solutions that will be effective now and far into the future.

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Ukraine Russia Conflict

March 2022

On the 24th of February, the Russian President ordered a military invasion against Ukraine. A war that many considered unthinkable had begun.

This sparked shock waves through pretty much every asset class across the globe. Investment markets continue to endure a volatile period against this backdrop.

It’s important not to try and second guess how the Ukraine-Russia events will impact markets. Historically, the market’s response to geopolitical events tends to be short-lived. Below are some resources looking at this in more detail:

Ukraine-Russia Market Volatility

In volatile markets, it is perfectly normal for investors to become nervous and question their investment approach. You should be prepared for volatility but it’s rarely a good idea to drastically change your investment strategy. Download here

Playback: Market Update

We recently held a Market Update webinar looking at the implications on underlying fund values and the longer-term market outlook for the global economy and equities. Watch the playback here

Pareto Matters – March 2022

A full and happy retirement is a priority for many. But no two people are alike. In this edition, we look at the importance of staying on track to achieving your specific financial goals. Download here

Have any questions?

Your adviser is available to answer any questions or queries you may have. Please do not hesitate to reach out to us at any time. Similarly, if any of your family, friends or colleagues would like a fee-free no obligation financial review, please click here

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How to create a personal financial plan in 8 steps

January 2022

When thinking about your future financial wellbeing, it can be helpful to consider a plan. It is a good idea to have a clear sense of what you want from life and use this as a guide for making important decisions.


A comprehensive financial plan helps you achieve your goals by analysing your current situation, planning for the future and providing continuous monitoring of progress towards those goals. A well-thought-out plan can help you protect yourself from unexpected events that could affect your ability to meet long-term financial commitments. What do you want to do in life? Who are the people who matter most to you? What do you worry about at night?


Without them, it’s hard to know what direction you’re headed and even harder to remember where you came from. Critical goals come before needs and wants. When life changes – and it always does – your goals help guide your financial decisions and focus on what’s important.


So you’ve decided to start keeping track of your income and expenditure, but how do you know where to begin? Creating a budget can seem like a daunting task, especially if you are not familiar with the process. Not only is it important to know how much money is coming in and going out of your household each month, it’s also vital that you understand where that money is being spent. With a budget, you can align what you make with what you spend. With goals set, you can now organise your money.


The best way to ensure you have money available in an emergency is to build your own savings, typically three to six months’ worth of living expenses. Emergency funds should be set aside in case of an unexpected financial disaster. Taking the time to save for emergencies is a must, even if you already have a budget in place. In fact, when creating your budget, it’s important to remember that there will be some things that don’t fit into your monthly spending plan, and emergency savings make a great way to cover these unexpected costs.


Falling ill or having an accident doesn’t have to become a financial burden on you or your family. What if you or your partner got too sick or hurt to work? Or passed away unexpectedly? Could those who depend on you still pay the bills – and save for the future? Planning your financial future isn’t only about savings and investments. Of equal importance is putting protection in place for you and your family for when you die or if you become ill. Most people have heard of life insurance, but may not know about the different types or about the options for people affected by ill health. No one likes to think of these things. But life can change in an instant. It’s good to hope for the best, but be ready for the unexpected. Insurance helps you do that.


The importance of paying down personal debt cannot be understated. But it can be difficult to prioritise paying down debt while still paying for essential day-to-day living expenses. However, ignoring the significance of personal debt could lead you to major financial trouble in the long run. Paying off your debts will not only free up cash flow to allow you to save, it will also go towards improving your credit score. The lower your debt-to-income ratio is, the better your credit rating. Your credit rating affects the interest rates that lenders charge you for mortgages, car loans and other types of financing.


Everyone needs to save and plan for retirement. No matter how much you make or whether you have a job, you should always start saving as early as possible. It is important for you to take control of your retirement planning and make decisions regarding your pension. It is often not appreciated that contributing to a pension arrangement can help you build up an extremely valuable asset. People are living longer and leading more active lives in retirement. As a result, it is more important than ever for you to think about where your income will come from when you retire. Pension saving is one of the few areas where you can still get tax relief.


Saving and investing are important parts of a sound financial plan. Whereas saving provides a safety net for unexpected expenses, investing is a strategy for building wealth. Once you have an emergency savings fund of three to six months’ worth of living expenses, you can develop a strategy to grow your wealth through investing. Investing gives your money the potential to grow faster than it could in a savings account. If you have a long time until you need to meet your goal, your returns will compound. Basically, this means in addition to a higher rate of return on investments, your investment earnings will also earn money over time.


The importance of estate planning is necessary for all individuals, not just the wealthy. Without proper estate planning in place to protect your assets, you could end up leaving large amounts of money to be fought over by your loved ones and a large Inheritance Tax bill. Your estate planning should sit alongside making your Will, both key parts of putting your affairs in order later in life. Working out the best ways to leave money in a Will before you pass away can help to make the lives of your loved ones easier when you’re no longer around.


Financial planning may be complex, but it doesn’t have to be difficult. We’re committed to ensuring you feel comfortable, informed and supported at each stage of your financial planning journey. For more information or to discuss any of the issues raised in this article, please contact your adviser, or call us directly on 0161 819 1131.


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November 2021

The UK tax year ends on 5 April 2022 but early planning can help you avoid a last-minute rush or potentially missed opportunities. 

We have put together some reminders that could help you make the most of your money and ensure that you don’t miss the chance to make the most of valuable tax efficiencies and allowances in your tax planning:

For individuals

  • Income Tax & Personal Allowance – The standard Personal Allowance is £12,570, which is the amount of income you do not have to pay tax on. It’s smaller if your income is over £100,000. Your Personal Allowance may increase if you are eligible to claim Marriage Allowance or Blind Person’s Allowance.
  • Capital Gains Tax (CGT) – Have you considered using the £12,300 annual exemption? With careful and early tax planning, it could be possible to reduce, eliminate or delay the payment of your CGT liability. See the full list here.

For businesses

  • Make tax-free pension contributions – Have you considered salary sacrifice pension contributions? Where employees exchange some of their salaries in return for pension contributions made by the employer both parties can save on National Insurance contributions.
  • Research & Development (R&D) tax credits – Have you considered looking into R&D tax relief for SMEs? See the full list here.


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Your pension options

November 2020

Tax treatment depends on individual circumstances and all tax rules may change in the future. You cannot normally access your pension until age 55.
Taking money from your pension pots could affect your benefits.

The content in this fact sheet is for your general information and use only and is not intended to address your particular requirements. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles. The value of your investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable


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Protection – Helping you secure your financial future

November 2020

We understand that peace of mind for the future is essential. You’ve worked hard to build and grow your wealth; it’s only natural to put in place measures to protect it. But unforeseen life events and circumstances can potentially impact your finances in a number of ways.

Pareto is on hand to financially protect you and your family in the event that your regular income is impacted in some way, through injury, illness or death. Our team of experts will work with you closely to understand your current financial position, addressing any potential shortcomings with robust solutions.

  • Your dedicated Pareto adviser will help you identify any potential shortcomings and explain solutions in a straightforward manner.
  • The benefits of having support from an adviser means your plans can be regularly reviewed for appropriateness and value, in line with any circumstance or lifestyle changes you may encounter.
  • You can have confidence that as independent advisers we will scour the market for the most appropriate plans for you and your family.

We advise on

  • Life Insurance
  • Term Life Insurance
  • Whole of Life Insurance
  • Critical Illness Cover
  • Income Protection Insurance
  • Private Medical Insurance
  • Long Term Care Cover
File photo dated 06/01/15 of money in a piggy bank. Research has found more than two-thirds (68%) of pension holders do not know how sustainable their retirement pots are, research has found.

Retirement Planning

September 2020

Making the most of pension allowances
There are various pension allowances that you need to be aware of and understand how to make the most of. Click here

Planning to leave a family legacy?
The impact of coronavirus on Will making, which is one of the most important legal documents you can create in life. Click here

Rewritten retirement rules
Pension freedom tax rules may allow members of defined contribution pension schemes to access their pension savings early. Click here

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A Guide to Life Insurance Protection

June 2020

by Stuart Carswell


 COVID-19 (coronavirus) has had a devastating impact on people’s lives. The outbreak may mean you have concerns about your life insurance (which is sometimes called ‘life cover’ or ‘death cover’) and whether you’re covered. If you have life insurance to provide for those left behind or to cover business loans after your death, it’s important to keep paying the premiums, even if you’re tempted to put it on hold to cut costs. You could lose your cover and may struggle to find the same level of cover if you start another policy later on.
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Tax Planning

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