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ADVICE AREAS

Pension Advice

Planning for your retirement doesn't need to be complicated. We believe the sooner you plan for your retirement, it will give you more time to build up the long term savings you need to support your planning. Whether you need help setting up your first pension, or if you are looking to review your current arrangements, we can help you to understand and make the right decision for retirement. If you are ready to consider retirement we will help support you to review the best way of taking your pensions. We will review the whole of market to ensure you are getting the most out of your money.

We can help you with the following pension advice.

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  • Personal Pensions.

  • We can review your current and previous employer schemes

  • Flexible Drawdown, Annuities and Phased Retirement Options

  • Self Invested Personal Pensions (SIPPs), Small Self Administered Scheme (SSAS)

Investment Advice

Once you have set aside your emergency fund, long term growth is something to consider with any surplus income or savings. There are many types of long term investments to chose from, all of them have their own tax advantages and may also have some limitations which need to be considered. Depending on your objectives and tax position, we will help advise on the one most suited to you.

 

We provide independent and impartial advice on the following areas:

  • Stocks and Shares ISA's

  • General Investment Accounts

  • Investment Bonds

  • Venture Capital Trust (VCT), Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS)

Cash flow modelling

Cash flow modelling is a great way to understand where you are with your current financial position. Its a visual way to also understand where you are with your financial plan and if you have set enough provisions aside for your long term planning.

Protection

Protection can be used for many financial objectives. Whether you are looking to ensure you and your family are protected when faced with unexpected challenge or making sure your mortgage is protected from illnesses, we can help you understand if your current provisions will provide you with a suitable level of cover. Protection forms an important part of financial planning and even if you have employer benefits, having a protection review will confirm if these provide you with the benefits you require.

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We can help with you with.

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  • Life Insurance

  • Critical Illness Cover

  • Whole of life cover

  • Family Income Benefit

  • Income Protection

  • Accident, Sickness and Unemployment Protection

  • Business Protection

Mortgages, Buy to Let, Equity Release & Lifetime Mortgages

There are many types of mortgages which can be used to help buy or remortgage your current property. From first time buyers, investors, or if you are over 55 and looking to release some equity, we can help search the whole of market to find the most suited and competitive mortgage. We are not tied to any one lender and will take into account your circumstance to fund the best outcome.

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As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Wills, Gifting & Inheritance Tax Planning

Making sure you underpin your financial plan with a Will helps give a final layer of protection . We work with professional contacts to ensure the needs of our clients can be arranged*. Even if you already have a Will, changes to your circumstances could mean its now invalid, so having a review of this will provide assurance.

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If you die without a Will, your estate will be distributed via a standard set of rules called the "Rules of Intestacy". For many families this will mean your wishes and distribution of your estate will not be met.

 

Sometimes a life changing event means you are unable to manage your own finances or make decision for your health and welfare.

A Lasting Power of Attorney (LPA) is a legal document where you can nominate a trusted friend or relative to look after your affairs if you lose capacity. 

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Inheritance Tax (IHT) is a tax which could become payable on your death. This sometimes means not all of your estate will be passed down to your loved ones, but instead used to cover any tax liability. To ensure your estate is passed to your loved ones, we can help you plan the best way to maximise your estate. This area can involve some detailed financial planning and could involve the use of trusts & gifting.

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*Will writing and taxation are not regulated by the Financial Conduct Authority.

Would you like us to get in touch? We would be happy to discuss your advice needs, please complete our Contact Form and we will be in touch soon.

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