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Financial Planning 
The future is unpredictible! Adequate protection for you, your family and your business is critical in a world where anything can happen.
Have you taken steps to protect yourself? Here are some of the protection methods you should consider:
For Family
- Life Assurance
- Critical Illness
- Income Protection
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For Business
- Shareholder Protection
- Partnership Protection
- Keyman Insurance
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Investments
We can advise on a host of savings and investment vehicles designed to satisy all your financial objectives.
This advice will be tailored to your individual investment goals and may include information about:
- Individual Savings Accounts (ISAs)
- Personal Equity Plans (PEPs)
- Investment Bonds
- Venture Capital Trusts (VCTs)
- Other investments including Unit Trusts and Open Ended Investment Companies (OEICs)
Retirement Planning
Pensions are one of the most tax efficient ways of saving for retirement. It's never too early to start thinking about your retirement provision. Even if you have already accumulated significant pension funds, you should regularly review them to ensure you are on course to receive your desired level of income upon retirement.
These are the most common areas we review with our Customers:
- Group Pension Schemes
- Stakeholder Pensions
- Personal Pensions
- Self-Invested Personal Pensions (SIPPs)
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Estate Planning
When reviewing your finances, we will pay close attention to:
- how your estate and that of your partner will devolve on death
- the overall burden of tax that falls on your income and assets upon death
We will examine the potential tax burden and advise ways of reducing it using gifts, special investments and insurance. We will work in conjunction with solicitors, accountants, trust and estate practitioners in order to protect your assets.
Mortgages
With so many different mortgage lenders and mortgages to choose from, finding the right mortgage can be overwhelming. We will provide impartial advice about a range of mortgage products that are representative of the whole market.
We can provide assistance with obtaining the following types of mortgages:
- Residential
- Commercial
- Buy to Let
- Overseas (Changes in the exchange rate may increase the sterling equivalent of your debt)
- Equity Release (This is a lifetime mortgage. to understand the risks and features pleas ask for a personalised illustration)
Your home may be repossessed if you do not keep up repayments on your mortgage
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