We Provide Consultancy on The Following:
Financial portfolio management
Got an existing portfolio that needs a review or fresh approach?
We can independently review your existing investments and then align them better if required, to your current circumstances and objectives.
Investment
Your capital is at risk when investing and you may get back less than your original investment
Where do you see your savings one year from now, five years from now or ten? What might you need to plan for today, that will pay dividends tomorrow?
Starting from the beginning…
Saving regularly each month for example builds capital which could be used in the future to help you or your family.
The more you save now, the less you may need to borrow in the future, allowing you to save further and accumulate wealth.
We can start a regular savings plan to get you on your way and usually tax-efficiently too, helping you keep more of it.
Building on existing capital, invest a lump sum…
You’ve worked hard for your money. Once you’ve accumulated capital, it should be working for you. Investing over the long-term can help your money keep pace with inflation and increase its ‘real’ value, the value you will be considering when realising your aspirations.
We can create a bespoke investment plan for you, utilising tax benefits and helping to build your money to a better net worth.
The sooner you start, the more you will accumulate, get started today by clicking on the 'Contact Us' link.
When investing, you will likely place your capital or savings at risk of financial loss. Although risk can be mitigated and partly controlled through diversification, you should be prepared for losses along the way, and understand that you may not get back your original investment.
Retirement planning
What is your predicted retirement income?
If you don't know, then you may be headed for a financially difficult retirement. Experts suggest a person needs to save 12.5% of their lifetime income towards a successful retirement.
We can create a retirement plan in addition to any you already have, as well as analyse your existing pensions independently to help you feel more financially secure
Life insurance
Your family’s finances are like a river flowing through the household. Every week or month, money flows in and almost as quickly flows out from household costs, Stop that inflow, even temporarily and very quickly the river can dry up.
Life Insurance and critical illness cover can provide an immediate financial support and allow for essential expenditure to be met. A lump sum could be used to clear a debt or mortgage or provide changes to a home if needed to support independent living following an illness.
Income protection can be activated when needed and stopped when not, to keep an income flowing into a home.
Consider spending a small part of your disposable income now, and we can set up these financial supports for possible times when they may be vital later.
Inheritance tax planning
The Financial Conduct Authority does not regulate taxation and trust advice.
Who do you want to benefit from your estate eventually? Believe it or not, without financial planning, the significant benefactor could be The Treasury.
Your estate including a family home could easily reach a value above the threshold for paying inheritance tax. At a current rate of 40%, this is money lost to your immediate family that could so easily have been saved with some forward financial planning.
We can ascertain if you have an inheritance tax liability and if so, what your options are.
'You Invest' a focused advised service
If you prefer, you can 'do the basics' yourself, at your convenience and reduce costs in the process. Its a simple postal service.
There is no possibility of feeling pressured, as you work through our advised pack at your own pace, when convenient, stopping whenever you want.
This is an advised service, hence you retain 100% of the consumer protection offered by the Financial Conduct Authority for retail clients.