Financial advice for every stage of life

Financial planning

Professional financial planning

Professional Financial Planning is the process which aims to help you realise your ambitions — whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future — short, medium, and long term.

You will almost certainly have plans of one kind or another — buying a home, starting a family, living abroad, perhaps retiring — but such ambitions have financial implications, and you can't leave it all to chance. Careful planning aims to help turn your plans into reality, and the sooner you start your financial planning the greater your chance of realising your goals.

Savings & investments

Investment advice for growing and protecting your money

When someone talks about savings and saving money, they could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments — for example, deposit accounts or term bonds.

Investment is what you can do with the savings you have created — if you are looking to generate a return on your money that is greater than what is already available to you through your savings instruments.

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• THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.
• ADVICE ON CASH OR DEPOSITS IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Pensions

Securing your retirement income

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed. Unless you can guarantee a large inheritance or windfall, you need to provide yourself with a secure income for the rest of your life.

A well-prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement. We also review pension investment choices — how your funds are invested within your pension — to ensure they remain aligned with your goals and attitude to risk. It requires action as soon as possible — so start now. And if you have already started, take the opportunity to have a closer look at your existing arrangements to make sure you are on track.

• THE VALUE OF PENSIONS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

Wealth management

Preserving and growing your wealth

Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation, and investment risks.

Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.

• THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

IHT & tax planning

IHT planning & tax efficiency

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. IHT planning — inheritance tax planning for your estate — can help reduce the tax burden on what you leave behind.

Taxation can be very complicated, and the rules, reliefs, and allowances often change — so it is worth obtaining a clear grasp of how inheritance tax and other taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

An expert will be able to help you plan your taxes in advance and come up with effective strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay.

• TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.
• THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ADVICE ON ESTATE PLANNING AND TAX PLANNING.