Financial Planning

Financial planning can be complex. There are many pitfalls to avoid, but also many opportunities which is important not to overlook. As you work towards and through retirement there are many questions that you need to consider.

You need to build a financial plan. You will only ever retire once. We help people plan for their future and enjoy retirement to the full, day in day out – it is what we do. Get in touch.

Retirement Planning

Pension savings often represent a large proportion of people’s assets. But how much attention do you pay to your pension and investments? Most people have little or no idea about what they will actually provide in retirement. Similarly, many don’t consider how they will best utilise their pension funds to generate a tax efficient, sustainable income throughout retirement itself. Sound familiar? Get in touch.

A pension is a long-term investment. The value of your investment (and any income from them) can go down as well as up. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

Investment Review

How should a portfolio be structured? The most important consideration here of course is you; what does your portfolio need to return to give you the ability to live the life you wish to live? Perhaps surprisingly, many people are taking much more risk with their investments than they need to. Perhaps unsurprisingly many people are not maximising the tax-saving opportunities available to them. We will help with issues such as these and many more, ensuring you have suitable investments to meet your needs now and in the future. Get in touch.

The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

Estate Planning

If you have a will in place, you may think that this is sufficient planning with regards to your estate, but there is often much more to think about. Inheritance tax is a huge concern for many people and a good estate plan can help minimise the amount of tax due on your estate. We can show you how your estate can be passed on to your family tax-efficiently, whilst continuing to meet your needs in your lifetime. Get in touch.

The Financial Conduct Authority does not regulate Estate Planning.
Levels, basis and reliefs from taxation depends on the individual circumstances of each client and may be subject to change in future.

Protection

We know that your requirement for life assurance and other types of protection will undoubtedly alter over the years. You may need to protect your loved ones should something happen to you. Or ensure your business is not affected by the death or serious illness of a key employee or business partner. Protection plans exist so that if the worst should happen, money does not need to add to the problems faced. We’ll review your requirements and any existing plans, highlight any gaps and let you know what you should do. Get in touch.