FULL FINANCIAL PLANNING
Here we undertake a review of your overall financial standing, starting at where you are now and looking at your future hopes and aspirations. Following the review we then devise a simple plan to ensure that you achieve your goals.
LIFE ASSURANCE
We can offer advice on a range of different life assurance products from simple mortgage protection to whole of life policies. We can also provide advice on critical illness, permanent health insurance, accident sickness and unemployment cover. Read more
INHERITANCE TAX MITIGATION
Despite recent changes in Government Legislation this unpopular tax still remains a concern to many people. Thankfully with some careful planning it is possible to reduce and even in some cases avoid this tax altogether, through the use of gifts, trusts and alike.
Even where the tax cannot be avoided having an understanding of how much is likely to fall on your beneficiaries is equally as important. As such we are happy to calculate your current inheritance tax liability whilst advising you on how to reduce this liability in the future. Read more
INVESTMENTS
As independent advisers we are able to offer advice on ISA’s (Individual Savings Accounts), PEP’s, Unit Trusts, Investment Bonds and other equity based contracts. We can also offer advice on bank and building society accounts, National Savings investments and other non-equity based arrangements. Read more
PENSIONS
Whilst pensions are one of the most tax efficient ways of saving for retirement they can also be extremely confusing so dealing with an expert is essential to obtain the best from your pension plans.
Although pensions are open to all U.K. residents up to the age of 75 there are a number of different types to choose from dependent upon whether you are employed, self-employed, a homemaker or even a child.
All of our advisers have in depth knowledge of the U.K. pensions system and understand how to obtain the best results from these complicated investments. Read more
RETIREMENT PLANNING
Retirement planning can be done at anytime but the earlier you start to plan for retirement the less costly it will be. Although many people think this type of planning just relates to pensions this is definitely not the case. Planning for your retirement means having enough income coming in when you stop work.
Where this income comes from is a matter of personal choice, it could be from a pension, a buy to let property, a business or a combination. Because of the close relationship we have with our clients we believe we are ideally positioned to help you understand what opportunities are available to secure a regular income when you cease work and explain what the real value of this income is likely to be. Read more
WEALTH MANAGEMENT
Different people consider themselves wealthy at different times. The point is not so identifying when someone is wealthy but ensuring the wealth you have works efficiently for you to ensure you have enough funds available to meet your future requirements.
By regularly reviewing your requirements and investments we are able to help you better understand what you have, what it is achieving and help you to fulfil your future ambitions. Read more
PERSONAL AND CORPORATE ADVICE
Whilst many of the services we provide apply to individual clients in relation to their own personal requirements, many of these issues also effect corporate business. As such we are able to offer the same level of expertise and service to businesses, be it for the shareholders of the business or for the benefit of the employees. Read more
WILLS
Although the majority of our advice and planning revolves around what people wish to do whilst they are alive. It is always important that clients leave clear instructions as to what is to happen in the event of their death.
A properly worded Will can avoid confusion and heartache in the future, whilst potentially also saving tax.
We have, over the years, built up a good rapport with a variety of solicitors and Will writers up and down the country, who are able to provide our clients with effective Wills at a competitive rates.
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TAX ADVICE
Although we are not a firm of accountants our advisers all have a good working knowledge of the UK Tax system, from Income Tax to Capital Gains Tax. We are able to advise you on some of the finer points of taxation so as to try and avoid paying unnecessary tax. Should you require detailed or specialist tax advice we are able to put you in contact with reputable and suitably qualified accountants.
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To find out more about our services simply please contact us or telephone on 01376 529800.
