Our Areas of Advice

For individuals, we look at ways of helping them achieve their financial goals, making sure their long term investments are structured in tax efficient environments, whilst continually reviewing performance, updating them on legislative changes and ensuring they are suitably protected for the future. Please note: We do not provide advice on which bank accounts are the best place to save your money.

For companies, we offer an insight into the key areas of financial planning with an emphasis on employee benefits, which is increasingly important with the new auto enrolment legislation being in place.

Your initial consultation is free to allow both parties to fully understand how and what is required. After which, there is a clear and open charging structure.

Areas covered:

PENSIONS:

Group Personal Pensions / Auto Enrolment,
Personal Pensions,
Occupational Pensions (Defined Contributions only),
Pension Transfers inc Pension Sharing Orders,
Self-Invested Personal Pensions (SIPP),
Small Self-Administered Schemes (SSAS),
Income Drawdown / Unsecured Pensions (USP),
Annuities

INVESTMENTS:

ISA's,
Unit Trusts,
Investment Bonds,
Offshore Bonds,
Structured Products

PROTECTION:

Life Cover,
Mortgage Life Cover,
Critical Illness Cover (CIC),
Income Replacement (PHI),
Private Medical Insurance (PMI),
Long Term Care

ESTATE PLANNING & INHERITANCE TAX

Please note We do NOT give advice on property / mortgages / savings accounts

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Tax treatment is dependent on individual circumstances and may be subject to change in future. The value of units can fall as well as rise, and you may not get back all of your original investment.

A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Protection plans will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse A critical Illness Policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Tax , Trust & Inheritance Tax planning advice is not regulated by the Financial Conduct Authority.