Wealth Management
Your wealth, hard earned or inherited, must be carefully preserved. Your assets need to be protected against erosion by taxation, the effects of inflation and investment risks.
Taxation
Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work and arranging your finances in the most tax efficient way.
We will be able to help you adopt effective tax saving strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay.
TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.
INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAX PLANNING.
Savings & Investments
Savings are effectively cash instruments, such as deposit accounts, term bonds, National Savings etc.
If you are looking to generate a greater return on your money than is available to you through your savings, you need to invest in asset based funds.
For most people, the best outcome is achieved by a combination of savings and investments. We can help you with both.
Pensions
When you retire you will want to maintain a comfortable lifestyle with an income likely to last for the rest of your life.
A well prepared pension portfolio which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement. It requires action as soon as possible, so start now - and if you have already started, take the opportunity to have a closer look at your existing arrangements to make sure you are on track.
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.
INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.
Life Assurance
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
A suitable policy pays out a sum of money when the person who is covered by the plan dies or suffers a serious illness. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income.
Please be aware that this type of assurance is based on an assessment of the health of the applicant.
