Services

The value of investments and any income from them can fall as well as rise and investors may not get back the amount invested.

ISA

Our philosophy of recommending investments spread across all asset classes has proved to be extremely prudent and well received by our clients.

We provide a review and valuation service that you may find beneficial as many investors have portfolios that are not actively managed and we continue to offer advice on new ISA investments.

For a no-obligation assessment of your investment and financial status, please feel free to contact us.

Retirement Planning

We offer advice on all areas relating to planning for your financial wellbeing in retirement.

Rule changes started to come into force from 6 April 2005 with the remainder effective from the 6 April 2006 (A-Day).

The end result is a completely new set of regulations covering all pension types.

Many pension holders have been affected by these changes and need to start considering their options straight away.

To ensure you are aware of the legislative change please contact us.

An example of the significant changes is as follows:-

Currently all pension schemes allow a "tax-free lump sum" at retirement date. This definition will change to a "pension commencement lump sum".

The implication of this simple word change is that it provides the potential for tax charges in the future!

For a no-obligation assessment of your investment and financial status, please feel free to contact us.

Investments

Once again our review and valuation service could prove to be invaluable. Many investors are holding portfolios that are receiving little or no bonus whilst management charges are still being applied!

For a no-obligation assessment of your investment and financial status, please feel free to contact us.

Life Assurance

Significant savings may be available by reviewing your life assurance and critical illness policies, both for individuals and companies.

A review of your protection policies would also ascertain if the contracts still meet your circumstances and requirements.

For a no-obligation assessment of your protection and financial status, please feel free to contact us.

Inheritance Tax Mitigation/Trust Advice

Inheritance tax, gifts with reservation of benefit rules and pre-owned asset tax legislation combined with increasing property values could cause many sleepless nights.

Anyone contemplating inheritance tax planning should proceed with caution. Priorities must be established and planning must fit the lifestyles of the individuals concerned. There are a number of exemptions and reliefs that can be used to mitigate inheritance tax.

As with all our services we are able to offer advice and guidance to match your particular circumstances and requirements.

For a no obligation assessment of your inheritance tax and financial status, please feel free to contact us.