Financial Planning

A tailored road map to help you achieve your financial goals

We’ll help you to feel in control

Planning our retirement, saving for a rainy day and arranging our finances are all things we know we should do but often put off. We can help.

We’ll look at everything regarding your current financial situation – gathering pension pots together and tracking down old insurance policies – so that we can give you a full picture of where you are now and what you need to do to get where you want to be.

Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest.

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Pension Planning

Planning for retirement can take years of hard work and preparation, making the whole process overwhelming. What lifestyle do I want to live? Do I have enough money in my pension? How well prepared am I?

We understand how stressful this can be but we’re here to swap the anxiety for excitement by providing you with a tailored road map to achieving your retirement goals.

We’ll provide you with a unique strategy that will put your mind at rest.

Inheritance Tax Planning (IHT)

You’ve worked hard all your life, so why should you pay tax when you pass away? Nobody enjoys thinking about a time when they are no longer around, but when you move on your loved ones could lose as much as 40% of what they inherit.

Having an effective IHT plan in place will help preserve what’s rightfully yours, while ensuring the transfer of assets is done in the most efficient way possible. We have years of experience in navigating through this complex area of the law, helping families to pay an inheritance tax that is both legal and fair.

Savings & Investments

Do you know what a strong investment and savings strategy can provide you with? How about more freedom, fewer restrictions and complete control of your lifestyle? Having one in place can open up the world to you in so many different ways that can enhance your quality of life.

However, investing can be intimidating: the jargon, the charts, and the countless investment opportunities available. Yes, it’s complicated. But that’s where we come in. In our discovery session, we’ll go over the important topics ranging from your goals, and your concerns through to your attitude towards risk.

Protection

Life is unpredictable, but it can also be expensive if we don’t prepare for the worst. Protection planning is all about providing you and your loved ones with a safety net for whatever life throws at you.

It’s easy to live for today and worry about the future tomorrow but a strong protection plan will give you peace of mind knowing that your family’s standard of living is shielded. From income protection to mortgage protection through to critical illness cover, we’ll identify what’s best for you to prepare for the unexpected.

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Understanding investing

Corporate financial advice

Estate planning

Financial protection

Retirement planning

Financial Planning Glossary

Annuity

An insurance policy that’s commonly used to convert your pension savings into a monthly income guaranteed for life. It provides the security of knowing what you have coming in every month.

Attitude to risk

Your view of whether you wish to place your money where there is a chance of a high return, but a correspondingly greater risk, or to keep it at the low end of the risk scale, for example in cash and government bonds, where the likelihood of losses is lower.

Estate planning

Planning for the tax-efficient transfer of your property and wealth to your family or other beneficiaries. This is largely, but not exclusively, focused on making your will.

Financial planning

Creating a long-term, coherent strategy that takes into account your current and future situations, ensuring the financial wellbeing of yourself and your family during your working life and in retirement.

Fund

An investment vehicle that collects the money of a large number of investors, creating the opportunity to diversify across a broad range of asset types such as shares, bonds and property, under the management of a professional fund manager. 

Inheritance tax

A tax levied on property or money inherited from a person who has died. Currently (2021) you may as an individual inherit £325,000 tax-free (£650,000 for a couple). Above that, inheritance tax is levied at 40%.

Investment risk

The probability of making a loss rather than a profit on an investment. Investments can be high risk, with the prospect of a high return, or low risk, where losses are less likely but returns tend to be more moderate.

Portfolio

A collection of various investments such as stocks, bonds, commodities, cash and cash equivalents.

Retirement planning

A strategy to ensure that your lifestyle after your working years is in keeping with your personal aspirations. This is normally centred on pensions, savings and investments.

Returns

The income you gain from a successful investment. To calculate returns, the benefit of an investment is divided by the cost of the investment.