Perspective (Brighter)
Established in 2010 and previously known as Brighter Financial Services Ltd, we joined Perspective Financial Group Ltd in 2023, rebranding to become Perspective (Brighter). We are a leading firm of Financial Advisors based in Halifax, West Yorkshire, delivering an end-to-end financial advice service to individuals, businesses and charitable trust clients.
Our Financial Planning Services
All our financial planners are qualified to provide regulated advice and we pride ourselves on supporting our advisors to achieve Chartered status, wherever possible. This ensures that you, our clients, will be able to benefit from their expert, specialised advice and client service, fit for purpose now and into the future.
We have a long-standing presence in West Yorkshire and the surrounding regions, and have built a solid reputation with our clients. We are proud of the fact that our clients stay with us once they find us.
From retirement and estate planning to home ownership and protection, our financial planners provide personal financial planning support and advice to help you achieve your financial goals. We also offer a range of corporate financial planning services from business strategy planning to investment and income management. Our website provides you with more details about our expertise and the services we offer.
Why Choose Us?
- We never stop looking to improve client services to meet changing needs.
- We ensure that we do everything in our power (accounting for market volatility) to ensure that our clients meet their financial goals
- We are recommended to others by our clients, which accounts for the largest source of referrals to us.
It is quite normal to be unclear about how your finances are managed in a way that meets your future needs, but this is our expertise. Our job is to help you feel at ease, be clear about your goals and develop a plan that gives you financial confidence.
We work hard to make sure that all our clients benefit from our professional approach to the management of their financial affairs. We know that people can find financial services confusing or daunting, and therefore always take the time to explain complex matters in simple language.
This is why when you first contact us, you will not pay us for the meeting. This is our opportunity to guide you about what we do, how we can add value and then you can decide if we are right for you.
We pride ourselves on working with people in a clear, simple and sensitive way, so that you feel listened to, your priorities are understood, and any concerns addressed.
Come and see us
We have many clients – young and old, new and existing – who visit us in our offices at Sowerby Bridge, Halifax.
You are welcome to drop in and see us. We may be able to see you straight away.
However, if a financial planner is not available and you want help, we will be very happy to make an appointment for you.
We look forward to meeting you.
The value of investments can go down as well as up and you may get back less than the amount invested
How to Choose a Financial Advisor The Complete Guide
Making big decisions about money that will impact you and your family’s financial future should be done with confidence.
Frequently asked questions
This will all depend on your needs. We may suggest you top up an existing pension if you are close to retirement or we may choose an appropriate investment for your needs. Whatever we do, we will look at your goals and your attitude to risk. This is vital to get investments right and it is where we are skilled in the area of financial planning.
We carry out a process of cash-flow modelling to help our clients understand how much income they can expect to receive in retirement. If you are close to retirement, it is important to understand how much you can spend to help your money last.
Many lenders use the mortgage guarantee scheme which is a Government initiative to help borrowers borrow and lenders lend. This makes it more likely that you will be able to get a mortgage with just 5% deposit.
We would urge anyone who is a business owner or who has dependants to take out a will. Lasting Power of Attorney’s are advised if it is not clear who may make decisions on behalf of the person should they lose mental capacity. Each situation is different from the next , but we can put you in touch with our wills partner if you would like any more information.
We have more people returning to us for a re-mortgage month on month. We believe this is due to our dedication to your mortgage needs, attention to detail and a willingness to always go the extra mile. Independence as a mortgage broker helps us to do this.
We would always recommend some form of life insurance or critical illness cover and would review what you already have to make sure it is right for you. We also help you reduce your outgoings by reviewing the cover you are currently paying for to help you with current expenditure.
Making sure you accumulate sufficient financial resources to fund the retirement lifestyle you want and meet needs that arise is likely to take many years. The earlier you start with what you can afford the better as leaving it too late will mean making greater contributions further down the line.
We can look at the pension you have and guide you on the returns you can expect from it. It could be that the workplace pension is sufficient for your needs and we would advise you to leave it there; or we could suggest you pay in more to this pension or consider an additional form of investment.
At least five years from retirement, checking to see what income you need and what you have to live off is vitally important. You want your money to last, so speak to us to help you do this!
Our Team
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Tel: 0800 023 4567 or 0300 123 9123