We provide simple and effective Financial Planning to ensure that your personal finances are looked after and your savings and investments are as tax efficient as possible.
Tax Planning
Tax efficient vehicles such as Pensions, ISAs and Venture Capital Trusts allow us to save a person both income and capital gains tax. We also help to reduce a client’s exposure to inheritance tax through measures such as qualifying investments, business property relief portfolios and finally by using a variety of trusts.
Investments
We create portfolios with many different asset classes in order to ensure large amounts of diversification. Portfolios are reviewed on a frequent basis, where they are plotted against benchmarks and similar client portfolios to make sure they remain on track.
We like to carry out reviews with clients on a regular basis, with the aim of rebalancing their portfolios. This is to suit both expected economic changes and changes within their own lives.
Pensions
With a long history in pension specialisation, we feel passionate about the benefits a pension can provide. These benefits include: Tax relief up to 60%; incredibly generous death benefits; tax efficient income and finally internal growth without capital gains tax or income tax.
We also advise on individual pensions and group schemes for employers. Many clients come to us in order to help them release funds from their pensions, so that they can start their retirement.
Protection
Life cover, income protection and even critical illness cover can sometimes be the cornerstone of a family’s finances. Without the guaranteed income of a breadwinner, a family’s finances can simply fall apart. We therefore advise those that need financial protection, on which plans best suit their needs.
We also set up private health schemes for mainly corporate clients and occasionally individuals too.