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Financial Advisor Bradford, West Yorkshire

Atrium Financial is a financial advisor in Bradford providing personally tailored financial planning and advice for individuals from all walks of life.


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Financial Advisor Bradford, Leeds & West Yorkshire

We have the depth and breadth of knowledge and expertise required to provide practical, informed advice. Our job is to make your money work for you, whatever your situation or stage in life, so you can live the way you want to.

Our expertise covers all stages of financial planning, including:

  • Foundation financial planning for younger people, in the early years of their working life
  • Building wealth as efficiently as possible, as your income grows and you reach the peak of your earnings Potential
  • Preserving money and assets, to enjoy in retirement and pass on to your family.


Financial Advisor Bradford

Investment and Savings

We all understand the benefits of investing today to provide for financial worry free future. With interest rates at the low levels they are, where do you invest for growth or income? You may be considering the best suitable investment for your pension lump sum, redundancy or an inheritance. You may just feel it’s time to review your existing investments to ensure they are still working hard for you. We will guide you through the various different investment options, and with an eye on tax efficiency will help you towards your goals and aspirations.

The value of your investments can go down as well as up, so you could get back less than you invested.

Pensions and Retirement

Happily there is far more flexibility now in how you take your pension, so you can arrange things in a way that suits you. However, deciding how to secure the income you need for the rest of your life is one of the biggest decisions you will ever have to make so inevitably there is a lot to consider. How much money do you have? What can you do with it? What can’t you do with it? How can you get the income you need? And be sure that income will last the rest of your life? You might be tempted to take a tax-free lump sum when you retire, but how would this affect your retirement income? Should you draw your income from your pension fund or buy an annuity – an income for life? Would you prefer a guaranteed or variable income? What about your dependants? Would you like them to receive income when you die?

We can help you answer these and other questions, and explain how you can generate the income you need for a comfortable retirement.

The value of your pension investments can go down as well as up, so you could get back less than you invested. A pension is a long term investment. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Inheritance Tax Planning

If the value of your estate is above a certain amount when you die inheritance tax is payable. This can reduce the value of your estate reducing the amount left to your loved ones. Planning for this during your lifetime can reduce the impact Inheritance Tax has on the people you leave behind.

The Financial Conduct Authority does not regulate Inheritance Tax Advice where there is no investment element.

Equity Release

With your mortgage paid off, your home is likely to be your largest asset. You may be able to use it to generate a lump sum, for instance to buy a holiday home, or to generate additional income. However, before doing so you need to make sure you fully understand the consequences.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may not be right for everyone. It may affect your entitlement to state benefits and will reduce the value of your estate.


There are many areas of protection that we should consider throughout the several stages of life, whether it’s protecting a mortgage using life assurance and critical illness or insuring that income continues in the event of an accident or serious illness. We can ensure that plans are in place to give you peace of mind.

Long Term Care Planning

Most people would like to pass their remaining wealth on to their family, but unless you protect your wealth, including your home, this may not happen. We can explain how you can make provision to pay care home fees, so you don’t have to sell your home to pay for them. We can also explain how to pass on as much of your wealth as possible.


Buying your first home can seem like a very big step. It may be the first time you take on a substantial financial responsibility. That’s where we can help. We know it’s vitally important to get the right deal for your money and make proper arrangements for your future. We can help you work out how much you really can afford, talk you through the various mortgages available and help you gather all the information about your income and expenditure lenders require.

If you currently have a mortgage it may be a good time to review it. We may find that you are paying more than you need to, perhaps because your original deal has come to an end. Also, if you want to move to a larger property or extend your current home we can help you secure the additional funding you require.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

Atrium Financial Advisor Bradford - Contact Us

For more information on any of our services, or to book a no-obligation consultation then please contact us on the number below, or visit our contact page to send us an email enquiry form.