Financial Planning, Retirement Planning, Equity Release
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Welcome to Integrated IFA Ltd - About us
Welcome to Integrated IFA Ltd, your local, Independent, whole-of-market Financial Advice and Equity Release consultant based in Southend on Sea. With over 20 years experience in financial planning and later life planning, we're here to guide you with, care, clarity and confidence in a jargon free manor. We are FCA regulated and a member of the Equity Release Council. We provide friendly, face to face or remote appointments around Essex and beyond.
A Proven Approach
We start by listening to you. By understanding your needs and objectives, we can provide the best solution to meet your short and long term goals.
First, we arrange a meeting with you and ask lots of questions to gather the information we require. We do this to ensure we know you. We then collate that information and provide a bespoke recommendation based on your goals and objectives.
On your agreement, we work with you on an ongoing basis to ensure those plans we have put in place are met and achieved.
Why Us?
- We act openly and fairly
- We exercise the utmost care and professionalism
- We are transparent in everything we do
- We look for longevity, not transactions
- We are human, not an automated service
- We offer face to face meetings or over the phone
- We use intellifo office, providing you with 24/7 secure access to all of finances and communications with us
Our Services
Investments and Savings
Investments and Savings
Your Goals. Our Expertise. Let’s Grow Your Wealth Together.
Whether you’re planning for the short term, saving for the future, or building long-term wealth, we’re here to help you make every decision count.
The key to smart investing? Understanding how much risk you’re comfortable taking. Through a personal consultation and tailored assessment, we’ll help you choose the right funds and strategies that align with your goals — and your peace of mind.
Plus, we make sure your investments are as tax-efficient as they are effective.
Ready to take the next step? Let’s talk about your future..
We provide Investment advice on the following:
- Individual Savings Accounts (ISAs)
- Investment Bonds
- General Investment Accounts
- Inheritance Tax Planning
- And many other niche areas of investment
Retirement Planning
Investments and Savings
Don’t Just Plan for Today — Prepare for the Retirement You Deserve
Too many people overlook their future. Some have no pension savings at all; others aren’t contributing enough — and even those with pensions often say, “I haven’t looked at mine in years.”
With life expectancy on the rise, it’s more important than ever to take control of your retirement planning now. We’re here to help you build a future that’s financially secure, comfortable, and truly rewarding.
And with generous tax benefits available, pensions are not just wise — they’re a powerful tool for long-term wealth.
Start now. Your future self will thank you.
We provide Pension advice on the following:
- Self Invested Personal Pensions (SIPPs)
- Personal Pensions
- Pension Switches
- Income Drawdown
Equity Release
Unlock the Value in Your Home — On Your Terms
As proud members of the Equity Release Council, we offer trusted, whole-of-market advice to help you explore your options with confidence.
If you’re over 55, Equity Release could allow you to access the money tied up in your home — without needing to move. Whether you prefer a one-time lump sum, smaller withdrawals over time, or a mix of both, we’ll help tailor a solution that suits your lifestyle and needs.
Your home has supported you — now let it support your future.
We provide Equity Release advice on the following:
- Lifetime Mortgages
- Retirement Interest Only Mortgages (RIO)
Mortgages
Wills and Lasting Power of Attorney
Finding the Right Mortgage Doesn’t Have to Be Overwhelming
With so many choices out there, navigating the mortgage market can feel confusing and stressful — but it doesn’t have to be.
We’re here to simplify the process and guide you every step of the way. Using advanced sourcing tools and a deep understanding of your unique needs and current market conditions, we help you cut through the noise to find the mortgage solution that’s truly right for you.
We offer whole-of-market advice — meaning you’re not limited to a narrow selection. You’re getting access to the full range of options available.
From start to finish, we make the journey smoother — and the outcome smarter.
We provide Mortgage advice on the following:
- Purchases
- Remortgages
- First Time Buyers
- Buy to Let
- Right to buy
*By referral to preferred partner
Protection
Wills and Lasting Power of Attorney
Wills and Lasting Power of Attorney
Protect What Matters Most – Because Life Is Unpredictable
If someone depends on you financially — a partner, children, a sibling, or an ageing parent — then life insurance and income protection are more than just options; they’re essential.
Life insurance ensures that if you pass away or are diagnosed with a critical illness, your loved ones are financially protected — helping cover the mortgage, household bills, childcare, or other everyday expenses.
But what if illness or injury prevents you from working? That’s where income protection becomes vital. It provides a regular income if you’re unable to work due to ill health, ensuring your lifestyle — and your family’s stability — doesn’t suffer while you recover.
We offer access to a wide range of leading providers, including Defaqto 5-star rated cover, so you can choose the right protection to match your needs and budget.
Secure your income. Protect your family. Plan with confidence.
We provide Protection advice on the following:
- Life Assurance
- Mortgage Protection
- Critical Illness Cover
- Family Income Benefit
- Income Protection
- Private Medical Insurance
- Whole of Life insurance
Wills and Lasting Power of Attorney
Wills and Lasting Power of Attorney
Wills and Lasting Power of Attorney
Via trusted partners.
Risk Warnings
Investments
Certain investments whose prices are dependent on fluctuations in the stock markets are beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.
Residential Mortgages
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE
Buy to Let Mortgages
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority
