We developed these guides to address the key areas that our clients will need to consider when they’re planning for their future.
The guides cover the broader issues; we’re happy to discuss any of these subject areas with you and how they relate to your individual circumstances.
Business Succession Planning
If you are a business owner, business succession planning and insurance is important. It is quite simply the process of planning for what you want to happen if you (or co-owner) were to die or fall seriously ill.
Taking Income at Retirement
There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and in recent years, there have been some major changes to the retirement choices you can make with your pensions.
Financial Protection – for you and your family
Life insurance protection underpins most good financial planning. The right insurance can ensure that if the worst should happen, the right amount of money will reach the right hands at the right time.
Investing for Children
Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property.
Saving for Retirement
Retirement is something most of us look forward to − particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.
Investment Planning and Asset Allocation
Investment planning is now more of a science, rather than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged the more scientific approach.
The Financial Planning Journey
The aim of this guide is to explain the process in general terms and what financial planning can achieve for you. Some of the important recent changes to pensions and ISAs have made the need for financial planning even more crucial.
The taxation of investments has never been a simple matter. In recent years, it has become more complex as successive governments have chosen to tax different sources of investment income in different ways, mostly with the aim of adding to the Exchequer’s coffers.
Pensions Tax Planning for High Earners
If you want to reduce the amount of tax you pay, then the solution is in your own hands. Thinking and planning ahead could help you to lessen the rising tax burden.
You and Yours - Estate Planning
For many people, estate planning is pushed to the bottom of the ‘do later’ list, like tax returns. Estate planning is also a subject that requires you to contemplate your own demise and none of us expect to pass away tomorrow, so deferral easily sets in.
Making the most of ISAs
When Individual Savings Accounts (ISAs) first appeared in 1999 as a replacement for PEPs and TESSAs, they were a relatively straightforward offering. There was one plan with a choice of three investment variants: stocks and shares, cash or life assurance (merged into the stocks and shares component in 2005). In the 19 years since, what was once simple has become more complicated.
Taxation and Property
Recent tax changes and tighter lending rules have had a negative impact on the buy-to-let market. This means that anyone thinking of becoming a landlord in future will need to carefully consider the pros and cons, especially when it comes to tax.