Our Expertise
Investment
The main emphasis of our business is advising clients on investment and management of their wealth in a tax-efficient manner. We focus on ensuring that each client's requirements and objectives are defined and agreed, before a portfolio is recommended.
Special consideration is given to ensuring that the clients portfolio is suitable to their attitude to risk, eg. Cautiously Balanced or Adventurous. Although we have access to all the investment funds available to UK investors, we aim to recommend only the most consistently successful funds, to ensure that client's portfolios are best placed in the good times and the bad.
Inheritance Tax Planning
The imposition of Inheritance Tax by successive governments continues to underline the governments' desire to redistribute wealth on death.
Whilst once IHT was borne only by the extremely wealthy, now, partially due to the rapid rise in house prices, more and more people are finding that they may have an Inheritance Tax Liability on death.
Inheritance tax liabilities can be reduced in a number of ways, including efficient will planning and investment-based strategies, such as the IHT mitigation schemes which include Discounted Gift Plans,
and Loan Trusts.
Protection
Protection is at the heart of sound financial planning for individuals and families.
Knowing that you and your loved ones can be financially secure in the event of serious illness or death can provide peace of mind at moderate cost.
We can provide advice on life assurance, income protection and critical illness insurance.
As we are independent we have access to all insurance companies to offer you the most suitable policy at the best price.
Many of these policies can be written in trust to ensure that funds are available as quickly as possible and with the minimum of taxation in the event of a claim.
Wealth Management
The main emphasis of our business is advising clients on investment and management of their wealth in a tax-efficient manner. We focus on ensuring that each client's requirements and objectives are defined and agreed, before a portfolio is recommended.
Special consideration is given to ensuring that the clients portfolio is suitable to their attitude to risk, eg. Cautiously Balanced or Adventurous. Although we have access to all the investment funds available to UK investors, we aim to recommend only the most consistently successful funds, to ensure that client's portfolios are best placed in the good times and the bad.
Pensions & Retirement Planning
Retirement is a time to look forward to, and for many could add up to a quarter of their lifetime, therefore having the correct income provision during this time is paramount.
We offer advice across the full range of pension vehicles, and firmly believe a pension is long term savings vehicle with excellent taxation advantages.
Our independence enables us to advise on solutions from across the market place, from Personal Pensions to Self Invested Personal Pensions (SIPPs).
We welcome queries from clients with regard their options at retirement including secured and unsecured pension options, phased retirement, alternatively secured pensions and AVCs. We also offer advice on the implementation and management of group pension schemes.
We recommend the Financial Services Authority's pension calculator, as a useful tool to see how much income you might get when you retire, from what you save now or in the future.
It is available on their website at : http://www.moneymadeclear.fsa.gov.uk/tools/pension_calculator.html
