Please see below the main areas we work in. This list is not exhaustive - if you require advice on anything else please get in touch.
Pensions
Whether you’re just beginning to save for retirement or have an existing pension plan that needs reviewing, we’re here to assist. Pensions offer an excellent, tax-efficient way to save for the future. We can help with both private and company pensions, while also considering any guaranteed benefits from a final salary pension.
Retirement
Deciding when to retire is one of the most important choices you’ll ever make. For many, the State Pension alone isn’t enough to ensure a comfortable retirement. It’s crucial to understand how much you’ll need in retirement and how your current pensions, investments, and savings will contribute to meeting that goal, so that you/we can plan accordingly.
Investments
Individual Savings Accounts (ISAs) are a tax efficient way to save for the future, but for high earners the annual allowance can be quickly used up. We can advise on many types of investments, including General Investment Accounts (GIAs), savings accounts and offshore and onshore bonds.
Protection
Financial plans are not complete without first protecting what assets you already have. Financial protection is usually a low cost way to ensure that you and your family are protected, should the worst happen.
Tax Efficient Schemes
Whether you havce a potential Inheritance Tax liability, or your earnings mean you are paying additional rate tax, we can help to put plans in place that mitigate some or all of this. Tax efficient plans do not necessarily need to be complex or overly risky.
Investments for Children
It’s never too soon to start planning for your children’s future. Junior ISAs and pensions offer a great way to set them up for success, while also enabling parents and grandparents to pass on wealth in a tax-efficient manner.
Cashflow Modelling
All of our financial planning incorporates cashflow modelling. This helps you visualise how even small changes in your finances can significantly impact your future. We regularly review these models to ensure you stay on track to meet your goals, making adjustments when necessary.
You can find out more about how we work here.