Future Directions

Mortgages

Whether you are looking to buy your first home, move home or buy an investment property, we can help you find the most suitable lender to meet your needs.

Residential Mortgages

Buy-to-Let Mortgages

Equity Release

Retirement Interest-Only Mortgages

Lifetime Mortgages

Home Reversion Plans

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Reviewing Existing Mortgages

Deciding on the best rate to choose once your current rate ends, can be a daunting prospect. We can help compare rates offered by your current lender with those available via other lenders, to enable you to choose the most suitable option for your requirements.

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Personal & Family Protection

Sensible financial planning includes making sure that, if life hits you with an unexpected event such as death or illness, your finances are protected. We can help you consider the most appropriate way to ensure your financial security is protected by providing appropriate cover to clear off any outstanding mortgages or loans, providing replacement income if needed and also ensuring you, and your family, minimise potential tax on any such arrangements.

Life Assurance

Critical Illness Cover

Family Income Cover

Income Protection

Whole of Life Cover

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Retirement Planning

Planning for retirement can be complex, especially with evolving pension rules, auto-enrolment, and tax changes. Many people have multiple pensions from previous jobs and are unsure whether to consolidate them or to leave them as they are. It is also common to be uncertain about the income these plans will provide in the future. We can help you review your current arrangements and assess whether they are on track to deliver the retirement income you want, when you want it. If you are approaching retirement, we will guide you through the available options so you can choose the strategy —or combination of strategies —that best suits your needs.

Pensions

Reviewing Existing Pensions

Pension Consolidation

Annuities

Phase Retirement and Income Drawdown

Long Term Care Planning

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Investments

We can help you make the most of any spare capacity for regular savings—whether short, medium, or long term. If you have lump sums to invest, or already have investments that you wish to review, we can guide you through the various options you could consider. Taking into account your attitude to risk, investment timeframes and personal tax situation, we will help you invest in a way that gives you peace of mind. If you wish to consider Ethical and Sustainable investing, we can support you with that too.

Regular Saving over the short, medium or long term

Making Best Use of Existing Savings and Investments

ISAs

Unit Trusts

Open Ended Investment Companies

Investment Bonds (onshore and offshore)

Structured Deposits

Exchange Traded Funds

Enterprise Investment Schemes

Investment Trusts

Venture Capital Trusts

Structured Products

Ethical and Sustainable Investing

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Inheritance Tax Planning Solutions

With the expectation of Inheritance Tax receipts to HMRC getting bigger and bigger as time goes by, this can be a very important area to consider in your long term financial plans. There are many ways that can reduce potential Inheritance Tax and we can help you understand your options and decide which options may work best for you.

Business Relief Investments

Trusts for Investments

Whole of Life cover

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Let us help you.

We’re here to make the complex simple. Whether it’s navigating financial legislation or understanding your options, we’ll take the time to explain everything clearly and answer any questions you have—no jargon, no confusion, just straightforward support.

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Client Experiences and Feedback

“I couldn’t be more satisfied with Marc as my financial advisor. His service is superb, always responsive and attentive to my needs. Marc provides clear, well-reasoned advice that has truly helped me navigate my financial decisions with confidence. I highly recommend him to anyone seeking a knowledgeable and trustworthy financial partner!”

Chris Dugmore

“My wife and I have used Future Directions for the last 15 years or so. They have provided us with help in many different financial areas over this time, but we use them predominantly for mortgaging/remortgaging. We have several mortgages, and as such have quite a unique situation. I have always felt that the team have our best interests in mind, constantly updating us with any better rates that become available and dealing with the paperwork accordingly. I have dealt with most of the team over the years, starting with Dawn, and more recently with Liz and Megan. I wouldn't hesitate to recommend Marc and his team. Many thanks for all your help”

Phil and Kim, West Sussex.

“I can’t thank you and the team at Future Directions enough, you and Francesca were absolutely excellent at every stage of the process. Without you I wouldn’t be sitting in my new home currently!”

L.S.

“I would also like to take this opportunity to thank Dawn, Megan, Shane, Marc, Liz, Lucy, and the entire team of Future Directions for their continuous help and support in finding and securing the best mortgage rates and deals for my family and me over the past decade.”

Seth Sala

“Just a quick note to say a big thanks for your time today Fran - feel like I've come away knowing lots more than I did and it's great that we've got a good deal and there's potential for more extensive coverage too. Thank you for all your help, expertise and time!”

Kieran Leckey

"“I have been a client of Future Directions for many years. I have always found Marc to be so helpful, patient and professional. Recently, I have had to finalise my pensions and he has listened to me agonising over various decisions regarding this. His support has been invaluable as he has always tailored things according to my personal needs and feelings. I have never felt pressurised into making a decision. When discussing investments he has taken into consideration my values and attitudes. I must also mention Lucy who has also been helpful, efficient and supportive in her administrative duties. I feel I am in ‘safe hands’ and am enjoying my new pension arrangements to the full.”

Sarah Wrann

“I’ve known Marc for over 30 years, and he, along with the team at Future Directions, has supported me through many stages of life. His advice has always been tailored, steady, and genuinely thoughtful, especially during times when my circumstances have changed. I now trust Marc and his team with managing my pension, and I truly value the long-standing relationship and the care they continue to provide.”

Nick Meese

“Dear Megan and Liz, We would like to say a massive thank you to both of you, for your assistance through the entire process which has led to us purchasing our home. Megan, thank you for always breaking down everything we don’t understand in a way that actually makes sense. You have an air of ease which makes you incredibly trustworthy especially during a massive life moment such as this. Honestly, thank you. Liz, we have many words that are too nice for this email but we’ll say them properly in person. The main thing you need to know is thank you and we couldn’t have done this without you. Thank you for your consistent updates, for your tenacity and for your never wavering reassurance throughout.”

Lewis Granger and Rachel Hally

“Marc has been my family’s financial advisor for many years . He has always been very professional, quick to deal with any questions I may have and most importantly, very knowledgeable and patient. Shane has also stepped in as a great help and source of information with any issues I may have in Marc’s absence.”

Sarah Skipworth

“We were recommended to contact Marc because we were looking for advice regarding the possibility of retiring before our state pensions started. Following an initial visit during which he reviewed our financial circumstances and discussed our retirement aspirations, Marc returned with an investment proposal that enabled us to plan our retirements with confidence that we’d be financially secure. That was fifteen years ago and, as a consequence of Marc’s annual reviews and adjustments to our portfolio, our investments have performed better than we expected. Like everyone else, we’re affected by unforeseen events that have an adverse effect on investments but we’re confident that his ongoing advice will enable us to continue to enjoy our retirement without any financial worries.”

Gerry and Janet Wood

“I have been very happy with the service provided by Marc in the years I have used Future Directions Financial Services. I am always confident in his expertise and the annual reviews are always very thorough; with Marc suggesting better options as and when they make financial sense for my family circumstances. Lucy was really helpful in explaining everything to me and guiding me through a recent change. Over the years I have recommended Marc to several of my friends who have also been very happy with the service”.

Tina Watson

“I have been a client of FDFS Ltd since 2012. During this time, there have many been occasions where I have called upon Marc and his team for advice and guidance with regard to my personal financial plans. The service that I have received at all times has been exemplary. Delivered in a professional and a confident manner, the team's knowledge and understanding of the issues and pitfalls surrounding the minefield of financial planning and investments has enabled my goals to be fulfilled as I near retirement. I would have no issue or delay in recommending FDFS Ltd to anyone looking for sound, practical and professional financial advice.”

Neil Wensley

“We have had the pleasure of working with Marc, Shane and the team for several years now, and I can confidently say their support has been very valuable. Their advice has always been comprehensive and tailored to our individual circumstances. Whether it’s investment planning, pensions, or general financial advice, they consistently demonstrate professionalism, integrity, and a genuine commitment to helping us make the right decisions. I would highly recommend their services to anyone looking for reliable, expert financial advice.”

Tony Barnes

“I was recommended to Future Directions by my best friend and I do thank her for it as I have always found Marc , Lucy and Megan to be very professional , friendly , knowledgeable and approachable in all the advice and help that they have given me . I really do feel more confident about my financial future now thanks to them .”

Gita Sharma

“Megan…..Thank you so much for your help and advice! I have felt very supported throughout’.”

Andrea Solza

"We have really loved working with Future Directions over the years. They've been immensely helpful in securing some really great mortgage deals, and other services. Not to mention the advice on financial matters that has really set up our family for future success. We couldn't recommend them highly enough - in fact we do, every chance we get!"

Jeremy Kimmel

“We have been associated with Future Directions for over 30 years. In that time Marc Carter and his team have provided us with invaluable financial guidance. The combination of their knowledge of financial matters, their friendly approach and absolute efficiency have always been most reassuring. Marc’s awareness of our individual needs and how these have changed over the years only adds to the sense of security which has surrounded our relationship. We are most grateful for the services which the staff of Future Directions have provided.”

Maggie and Graham Halcrow

“ We have known Marc and the team for over 25 years and have always found them to be very professional, but with a friendly and easy to understand approach which can be very welcoming when dealing with financial matters. While Dawn has now retired from the business , her experience of the mortgage market was truly valuable when both our home and buy to let mortgages were being renewed and indeed when we moved family home and I’m sure this level of service will continue. We have also recommended Marc’s services to friends who have been really pleased with the advice given and made their pension planning, a reality!”

Mike Johnson & Lauren Egan

“We have been using Future Directions since its creation by Marc Carter. He has been an invaluable help over many years and in many areas including mortgages, pensions advice and ISA set ups. His team stay in regular touch throughout the year, and we have the opportunity for reviews whenever necessary. Great service, and always with a smile!”

Francis and Beryl Eastwood

“We have been advised by Future Directions, and in particular, Marc Carter for many years. Advice covers both pension investment and drawdown as well as personal insurance and mortgage advice. At all times Marc and his team have provided excellent, and highly valued, service and advice. We would thoroughly recommend their services.”

Robert and Anita Tacon

“I thought I’d drop you a short note to thank you, and your staff, for all of your support during my illness. Nobody wants to believe that they will succumb to any type of debilitating illness or condition, and to find myself in exactly that situation came as a bit shock to me!. Without the additional income that was provided my by Income Protection Plan, I would have found myself in dire straits. With those additional monies coming in it was one less worry for me, which enabled me to focus on overcoming my symptoms”

Mary Webb

“I have been a client of Future Directions for about 14 years as were my parents were prior to that. I have always found Marc Carter to be very helpful and understanding of my financial affairs, and quick to find sensible solutions. Despite the turmoil of the last few years, Marc has always kept a reasoned and pragmatic approach to my affairs, and the predictions he made at the start of our financial relationship have more or less come about. i am well satisfied with the service I have received. I would recommend the services of FutureDirections wholeheartedly.”

Gavin Argent

“For more than two decades, I have been advised by Future Directions Financial Services. Whenever I approach a member of their staff, they are always quick to respond. Communications are highly professional, clear and friendly, and in all those years, I have never been disappointed. My dealings have been with Marc Carter, Shane Priestman, and Lucy Wilkinson, and I can highly recommend all of them. Thank you for many years of excellent service!”

Jannie Roed

"Future Directions had mailed us on several occasions as a contact of a previous financial provider many years past. From an initial meeting with Principal Marc Carter & a subsequent review of our joint financial affairs which were quite detailed....we have now had the pleasure of being a client ever since. Years on.... with prompt attention & an extremely efficient report/feed back on annual reviews & any interim issues from Marc & his loyal team..... a profitable relationship indeed !"

CG & CB

“My late husband met Marc when he was a young man and had just started out as a Independent Financial Advisor over 30 years ago, he put together Johns private pension, ( John was actually one of Marc's first customers) and I now have the privilege to know that Marc is there for me, and I know I will always get first class advice and service. Everyone who works for Marc at Future Directions are the nicest bunch of people you can ever wish to know. They are like a family and want the best for their customers. If at anytime Marc isn't available to help with a query then I know I can ask Shane, knowing I will get equally sound answers to anything I may need to ask. All in all they are brilliant and a pleasure to know.”

Sharon Delves

“I have been using the services of Future Directions since 2016 and, in that time, have been consistently impressed with Marc and his team. Marc’s measured advice has held me in great stead, particularly in times of economic uncertainty. Despite several financial downturns, the product that Marc offers continues to perform, riding out periods of unpredictably and offering longer-term security and growth. In addition to this, Marc and his team are personable and engaging - I’m not sure that there are many people that could say that they actually get to enjoy the time that they spend with their financial adviser!”

Rick Nichols

“Going to see Marc Carter at Future Directions was an enormous help and comfort when I was facing a big change in life style with little financial experience or knowledge. I was provided with information, a mutually agreed plan and ideas for the future. For four years now I have had someone to whom I could turn for reliable advice when needed. The office is a welcoming place to visit as all the staff are kind and helpful.”

Ffrangcon Whelan

“My late husband and I ‘inherited’ Marc from a previous advisor who retired. This was many years ago and he has given us sound advice since which has really made retirement more comfortable. Marc is very efficient, professional and listens to your individual requirements, he advises but doesn’t try and enforce his opinions. When my husband died, Marc helped me manage the investments in a seamless way. We are not talking multi million pounds, simple savings managed well to provide a better quality of life in older age.”

Sue Davies

“I have been a client of Marc and the Team since the beginning of the journey - some 30 years now! I remember having discussions about pensions and I am now a few years away from drawing my pension! I have found Marc and every member of his team over the years to be responsive and sensitive to my needs. I am secure in the knowledge that I have trust in them all to provide me with the best policies that meet my needs and review and update as required on a variety of financial matters. Marc has worked hard to ensure a caring and inclusive feel to Future Directions and to feel valued as a client is really important to me. I have referred many friends and family to FD as I know they will be taken care of and given the best advice and I will continue to do so! Thanks Marc and the Team for all you efforts on my behalf over the years.”

Celia Dunn

“I could not recommend Future Directions, Marc and his team more highly for their understanding, supportive and expert approach in advising on options for my financial planning possibilities. They have been lifesavers. Their quick understanding of one's personal situation so that they can present options for action; their knowledge of and expertise of the systems on offer. Future Directions offer a personable and supportive approach, going out of their way to involve myself in meetings and to follow up on discussions: all this has made the investment and financial planning situations bearable. I feel as though I am very much in their debt, as it is as a result of their efforts that I have found a wonderful retirement and savings plan that suits my needs.”

Paul Clark.

“Always had a marvellous service. Easy to contact . Everything well explained .”

P Weeks

“After many, many years of outstanding support and personal guidance, even visiting me in my home to explain financial matters. You will never find anyone so knowledgeable and supportive and I thoroughly recommend Marc and his team. Marc’s help and advise have been invaluable over the years and I am very grateful.”

Patricia Stojanovic

“Marc is able to explain the world of finance and investments in clear and simple terms that we can understand.”

Tom Baily

“Always easily accessible and they always deal efficiently with any queries or concerns. They regularly updated with your investment and if necessary offer alternative options in your investment.“

Geoff and Gillian Marks

“A complete and friendly and knowledgeable service. Even though the portfolio looks a bit complicated it has generated some very good returns. Recommended.”

Carl & Viki Whitehead

“I have been with future direction for several years now and can say they have always been very professional in their approach and welcoming in their manner. I have always been made to feel secure with their financial advice and intend to continue with them well into the future.”

Jessie DS

“I am very happy with my experiences with Future Directions. Marc and his team have been extremely helpful and professional for years now. Always my go-to for financial planning and advice.”

Will Griffiths

‘We’ve been using Future Directions for the past 7 years. As first time buyers, we were unsure how to navigate the mortgage process and find a suitable lender with the best rates. Dawn made the whole process effortless and simple from the very beginning and they’re even on call for advice when it’s needed, so that’s why we’ve chosen to use their services’.

George & Hayley

“I have been a client of Future Directions with Marc Carter for a number of years. I have been very happy with the service I have received. My investments have been in safe hands and Marc is always ready to help and advise if necessary.“

Pat King

“I cannot envisage a situation that would encourage me to seek financial advice outside of those provided by Dawn, Marc and all at Future Direction and in this vein I have, and will continue to do so, made personal referrals to them confident that they have both the knowledge and experience to best advise my friends and family in the way they have me.“

Paul Martin

“My experience with Future Direction Financial Services has been excellent. Over the last 27 years I have found all the staff very supportive and responsive to all my calls and enquiries. Marc Carter has helped me over the years with clear and supportive advice. His warm and friendly support, and his advice, has been great, and positive. Thank you all.”

Trudi Sealey

“We have known and worked with Marc over a number of years. If we had any problems, Marc would sort them out very quickly, and to our satisfaction!! We still work with the team!!”

Mrs J Parsons

“I have used Marc Carter and Future Directions for financial advice for many years. I have always found Marc and his team to be very supportive and professional in their dealings with me. I trust them and they have never let me down. I recommend them wholeheartedly.”

Roger Hurn

“Marc has been my trusted financial advisor for over three decades. His team have delivered the most competitive mortgage solutions on the market for me and taken away the stress usually associated with this process. Always approachable and professional - I highly recommend.”

Tim Porter

“Marc has been my financial advisor for many years. He helped me through investment advice, retirement planning as well as stressful situations (buying a house!). In all the time I have felt very confident with Marc’s advice and support. He took time to understand what my preferences and priorities were and fashioned a portfolio to meet these in terms of ethics and risk appetite. I’m now at the stage where I get by with annual check up calls though I could, and do, contact Marc with specific questions and advice. I have always found Marc’s advice sound and wholly professional, while also able to explain financial complexities to me.”

John Trevelyan

“Marc Carter is a professional person, who I can contact anytime I need to. He also replies to calls and request if I leave a message because he is unavailable at that moment. We have yearly meetings to review my financial platform. A friendly person to talk to, he always checks before ending a meeting that I understand the issues discussed and checks throughout the meeting that I am happy with the information given before ending the meeting “

Jasinth Grant

“We have used Future Direction's services for many years. Marc has a great understanding of the market and has always offered valuable information about investments. He and his team are efficient and reliable. They always assist very promptly if we have any questions or concerns and are great at following up after conversations that need further consideration.”

Martin Piper Music

“My wife and I have known Marc for 35 yrs. Throughout this time, he and his team at Future Directions have maintained consistent, regular contact with us and offered excellent financial advice for our ever changing circumstances and needs over this period. Marc, even at the very early stages of our professional relationship, established a thoughtful and personable approach to all our communications and interactions. He would offer clear and varied potential financial planning strategies, careful to only provide the necessary, relevant information and not pressure us into any direction or decisions. On the occasions when action by his team was required/requested, it was undertaken efficiently, in good time and with reassuring communication. Our experiences over these many years have left us with the firm belief that Marc and his team perform with the highest of professional/ ethical standards and are very knowledgeable in their field . We have recommended Future Directions to friends and we recommend them to you.”

S Vale

“I have been a client of Future Directions for many years and I have always been very happy with the interactions I have had with the team. Whenever necessary I seek Marc’s advice on financial matters and he always provides timely rational and practical suggestions. I do not hesitate to recommend the services of Marc and his team at Future Directions.”

Alan Medley

“My wife and I have used Future Directions for around 20 years, initially to help secure a mortgage in difficult circumstances, but since extended to pensions and insurance and investments. Advice given is always clearly explained together with all viable alternatives and the pros/cons of each. Marc and the team take care of any paperwork or submissions so most transactions can be done easily over the phone and through email. They are reliable and proactive, for example, I never need to worry about when to renew my fixed rate mortgage. I know they will call me and explain the options before we setting up the next one for us. They have access to a wider range of financial products than a regular consumer would, so I’ve often achieved a better result with Future Directions than I could have done going direct and all the formalities are taken care of for me. I’ve trust them to be our go to for all matters financial, we highly recommend Future Directions. “

Gary & Lisa Killington

"(Megan was) very helpful, proactive and provided a lot of information that made the entire mortgage application process very straightforward, particularly given tight timelines."

H Champion

“ I have known Marc for over 30 years and used his services for most of that time and been extremely happy with the advice I have received from him. I will continue to use Future Directions and would highly recommend their services to anyone who wants to receive first class financial advice”

George Mobargha

“My husband first met Marc through his workplace and has now been our financial advisor for several years. He has always been a tremendous help, providing us with sound advice that we both trust wholeheartedly. His expertise and guidance have made a significant difference in our financial planning allowing both of us to retire early. Marc constantly keeps us informed about our investments and the market, making sure we feel confident in our financial decisions. If you’re looking for a financial advisor who genuinely cares about your financial wellbeing, Marc is someone you can trust.”

Debby Young

“Our mortgage renewal came at a time when interest rates had skyrocketed. Dawn at futures direct could not have been more helpful. The process was efficient and hassle free. We managed to secure a better deal than I had dared to hope for we remain incredibly grateful.”

Catriona Reid

“Marc Carter has been advising me on investments and my pension for about twenty years. He has been incredibly helpful in discussing and understanding my personal needs and tailoring his advice accordingly.”

Professor Alison Mainwood

“We have worked with Marc Carter and his team for many years. The advice and support we have received has always been second to none, both proactive and reactive. The investments we have made based on Marc’s assessment of our needs have proved to be enormously successful. In particular we welcomed and have valued his interest in and shift towards ethical investments. The team have also been available and supportive when specific advice has been needed on financial matters. Altogether we could not be more satisfied and have no hesitation in recommending Future Directions.”

Stephen Ball

“My family have used this company for over 10 years and always had good advice and they have been very helpful with resolving any queries.”

H Button

“I was introduced to Marc more than 25 years ago, he has always been a trusted advisor, if providing pension advice, life insurance or mortgage advice I am always confident that it is sound, correct and unbiased, whilst always being professional. I always recommend him to my friends and family.”

Chris Morgan

“I would highly recommend Future Directions to anyone seeking financial advice. Marc Carter has served as my financial advisor for many years and has consistently demonstrated helpfulness, honesty, friendliness, and extensive knowledge.”

Dena T

“We have used Marc and his team for many years and have been very pleased with both the results and level of service provided”.

Tony & Maggie Edwards

“Marc Carter has been our financial advisor for a number of years and we have maintained our connection since moving to Devon in 2019.We have been kept up to speed with his newsletters about the state of the economy and have annual discussions about our finances and new share options . “Although, at this stage, our transactions are very limited, Marc always treats us with the greatest respect and never attempts to push us into increasing our portfolio.His feedback is always comprehensive and both he and his associate Steve Reilly are excellent communicators. Marc runs a very efficient,professional,friendly service and it has been a delight to do business with him over the years.We are also pleased that the service attempts to place our shares with ethically orientated companies”

John & Jenny Reynolds

“We have known Marc Carter and his company, Future Directions for some 14 years and, in that time, he has looked after all of our financial affairs including our private pension schemes. His annual reviews are very helpful and he has also given us guidance on inheritance tax matters. He has served as a 'one stop shop' for all of our financial affairs and we have been very pleased with the performance of the investments he has recommended.”

David & Isobel Carver

“I have been with Future Directions for many years prior to marriage, children, my own home etc. Many years later now divorced, children left home and now a pensioner I am still with them and financially secure. I am very grateful to the service for the financial reviews and advice I have had over the years they have played a big part in me enjoying this latter part of my life. Thanks to Marc and his team.”

Liane James

“I have been a client of Future Directions for a number of years & the advice I receive is 1st class. I have always found Marc & his team very helpful & understanding.”

Wendy Stevenson

“Marc has consistently been articulate, helpful, and measured in his advise, especially during uncertain times. His calm, thoughtful and expert guidance brings clarity and confidence to every decision.”

Andrew Akerman

"Marc and the rest of the team have been incredibly patient and helpful with me - when I first spoke to Marc I was what can only be described as 'financially illiterate'. His advice was excellent, and I am very confident working with him and Future Directions in the future."

Andrei Cotocu

“ I have nothing but praises for Future Directions. After being let down and messed around by Natwest (despite being their customer for 25 years) I got in touch with Future Directions and within a week they had arranged my mortgage so that I could buy my house. Each member is professional, helpful and friendly. Special shout out to Dawn! They offer tailored genuine advice and deal with matters immediately and efficiently. I felt looked after every step of the way and have already recommended them to others and will continue to do so. My whole family have used their services! Thank you so much!”

Asmeen Hossenboccus

“I have used Future Directions for many years. They have been utterly professional all that time in their personal contact,services and advice. They are always happy to help in tricky situations, and offer sound counsel. I would thoroughly recommend Future Directions.”

Jeremy Jevons

“Not being financially literate, Marc has been incredibly patient and understanding in taking me step by step through processes and compliance to ensure the best product is offered. The Annual reviews are really helpful in ensuring the most appropriate plans are in place and apt.”

Karim N

“My wife and I have been financially advised by Marc Carter for the last 20 years and have always had complete confidence with his help and advice. We would have no hesitation in recommending Future Directions Financial Services.”

Jon & Pauline Farmer

“We have been clients of Future Directions for many years, and Marc Carter has been our financial adviser throughout that period. Having assessed our attitude to risk, Marc has set up suitable portfolios for us to invest in the stock market, and also given helpful advice regarding cash investments. He reviews our situation once a year, and explains everything clearly. From time to time he has answered queries we have had on other financial issues. Whether a home visit or a telephone call for the annual review, these have always been at the time arranged – characteristic of a well-organised service.”

Alan and Margaret Collins

“Marc Carter started looking after my finances sometime in the late 1990s, when he set up Future Directions. He began moving my assets to different investment vehicles, and when the 2008 crash came, these all suffered very much less than if they had stayed put. After that, I never looked back and remain calmly confident in Marc and his team, for their conscientious, efficient and reliable work – and there is always a human being to talk to if I have questions.”

Dr Lyn Rodley

“I have been a client of Marc Carter at Future Directions for a few years and have been very happy with the service I have received. My finances seem to be in good shape given the present day circumstances of the UK! Marc listens to any input I might have and explains things to me clearly at our meetings. I would definitely recommend their services.”

Helen Scholfield

“We'd like to say that you and your team have been an incredible help and support to us in getting our financial affairs in order. We were initially a little embarrassed to come and meet you, as we're both a little finance-phobic, but you put us at our ease and we immediately felt we were in safe hands. We would definitely recommend you and thank you and your team for all the hard work you have done on our behalf. Meetings with you have always been a relaxed, easy, positive experience and we've always come out of the meetings feeling reassured and much clearer about our options.”

Ray & Liz Paulden

“We’ve known Marc since before he became a fully independent adviser, and throughout his time working with us, it’s been clear that he’s consistently acted in our best interests. His guidance across a wide range of financial matters has been both sound and well-balanced, and I can say with genuine confidence that we wouldn’t be where we are today without his support.”

Harry and Stephanie Wills

“Although I have not met Marc, he was my late husband's Financial Advisor for many years. When Chris sadly died I explained to Marc I would need his expertise and guidance to manage my financial affairs. With help from Marc, Shane, Lucy and Liz they have looked after me well. Especially when I needed to release funds to buy a bigger apartment and then reinvest but still leave enough working capital for my future needs.”

Pat Boddy

“We have been fortunate to receive financial advice from Future Directions for over 25 years, and the experience has been consistently outstanding. Marc Carter’s attention to detail, professionalism, and deep understanding of the NHS Pension Scheme have been invaluable to us throughout this time. His ability to provide clear, tailored guidance has helped us navigate complex financial decisions with confidence and peace of mind. Marc’s dedication and expertise have made a real difference, and we are truly grateful for the support we’ve received. Thank you for your continued commitment to excellence.”

Mr & Mrs Hedley

"I have been a client of Marc's for some time now and could not recommend him highly enough. He is very knowledgeable but able to convey that knowledge in a simple, easy to understand manner. He is always happy to answer numerous questions, not just at an annual review but at any point during the year. The team around him are all very friendly and professional too."

Jenny Shoebridge

“I have depended on Marc to help me navigate through my private pension for many years. I fully trust his judgements and advice and at no point have I ever felt the need to look elsewhere. Thank you to Marc and his team at Future Directions.”

Sally Dickins

"Throughout the time that we have been with Future Directions we have enjoyed first class advice across a wide range of financial services including mortgage advice, life insurance and retirement planning. A key feature of their service is the time spent by Marc and his team in finding out what your precise requirements are. From this they are then able to recommend products that are tailored to your individual circumstances. It also helps that they are experts in their fields and know the range of possibilities that are out there."

Damian Parkes

" Marc has advised us for several years, helping us with various types of investments and pensions. The advice that we have received has always taken account of our goals and has included ensuring that we have invested and taken pension income in the most tax efficient manner. Marc is friendly , knowledgeable and responsive and we would have no hesitation in recommending him and his colleagues at Future Directions to anyone that was seeking help with financial planning"

Diane and Chris Conroy

“Marc Carter was recommended to me by another financial advisor who had just retired. He said, 'I would trust him with my life'. Upon speaking to Marc on the phone, I liked him at once. He is friendly, welcoming, has a good sense of humour and he is very professional and thorough. He will put you at ease immediately. Marc has spent a long time with my mother and myself, patiently explaining the financial process and answering all our questions. Our experience is in stark contrast to where we were before. He responds to emails and phone calls promptly and gives a huge amount of information and advice. His team have been very welcoming and friendly, sharing the same sense of humour and warmth; there is a happy, family atmosphere. Both my mother and myself are very thankful to have become acquainted with Marc and feel confident to have entrusted him with our financial affairs.”

Nicola WIlliams

Future Directions Financial Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Conduct Authority Register (http://www.fca.org.uk/register) under number 690603. Future Directions Financial Services Ltd registered in England and Wales 6116762. Registered Address 93 Croydon Road, Beckenham, Kent, BR3 4AQ. Director : Marc Carter

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk .

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