Services
Investments and Tax Planning
Our services cover a full range of investment solutions including ISAs, Junior ISAs, Unit Trusts/Open Ended Investment Companies, Investment Bonds, and pensions.
We work closely with you to build a bespoke investment strategy that meets your needs and goals.
We’ll get to understand your current situation and what you want to achieve for yourself as well as your family. We will also evaluate how you feel about investment risk to make sure that any solution is a perfect fit.
We conduct rigorous due diligence on all of your investments and do our own in-house research on the funds and products that we use. We regularly review your investments to ensure that your investments are on track and that they are efficiently aligned according to your tax position.
The UK has the longest tax code in the world and we can help you navigate our complex system making sure that any investment strategy is as tax-efficient as possible, maximising your potential returns.
Investments carry risk and the value of your investment/s can go up as well as down.
Retirement Planning
Approaching retirement can be both an exciting and daunting prospect. We can hold your hand as you make important decisions about what kind of retirement you want.
With life expectancy rising and retirements needing to last longer than ever, it is up to us to help you establish how much you need, and can afford, to achieve your retirement goals.
We’ll analyse your existing pension savings and other investments and help you create a personalised plan that aligns with your needs and goals. As part of this plan, we will work with you to project how your funds will last you throughout your retirement, with your aspirations and potential future circumstances factored in.
Retirement planning can be complicated and we’ll make sure that you understand all of your investment options so that you can make informed decisions about your future. Pension rules are changing, and we can guide you through them advising on the most tax-efficient strategies and products.
Investments carry risk and the value of your investment/s can go up as well as down.
Protection Planning
We can help you future-proof your financial wellbeing through life insurance, critical illness and/or income protection insurance.
We will listen to your individual requirements and help craft a protection plan to guard you and your loved ones financially should life throw you a curve ball.
As truly independent financial advisers, we will look across the whole market to make sure that our recommendations are the best fit for you and your needs.
Intergenerational Wealth Management
When we talk about intergenerational wealth planning, the first thing that often comes to mind is deciding how your assets will be passed down or divided upon death.
However, modern estate planning can be much more collaborative and can allow you to actively support your family throughout your lifetime.
You have worked and saved hard throughout your lifetime and may want to provide financial support to family members. You might be considering how to leave money to existing grandchildren or even future grandchildren? Perhaps you want to give a financial gift to someone for a specific purpose, for example helping a loved one get onto the property ladder? Or you want to explore different methods by which you can give a gift without relinquishing all control over it?
These questions are an important part of estate planning and should be brought together with a thorough understanding of potential tax liabilities and the many rules that surround making financial gifts.
That’s where we come in.
We will look at your current circumstances and what you want to achieve. We will then present a range of different solutions to you, before working together to select the path that takes you to the right products at the right time to accomplish your goals.
We have extensive knowledge around Trusts and Inheritance Tax planning and have established relationships with Chartered Accountants and specialist Solicitors with a wealth of experience in these areas.
Together, we can provide a seamless estate and Inheritance Tax planning service to you.
As part of estate planning service, we will also discuss and ensure that you have a plan in place to provide for later life or long term care.
