Key Guides

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

Financial resilience is the ability to recover quickly from an unexpected financial shock. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes.

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

No longer just an art form!  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

Financial planning isn’t just reserved for the especially wealthy. Whether we’re aware of it or not, all of us are on a financial planning journey and nearly all of us will want to make the most of our money where we can.

Investing Tax-Efficiently

The way that investments are taxed has changed over recent years as successive governments have chosen to handle various sources of investment income in different ways. The aim has typically been to increase tax revenues.

Pension Tax Planning for High Earners

If you are a high earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.

You and Yours - Estate Planning

All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate.

Making the most of ISAs

Individual Savings Accounts, universally known as ISAs, began life as relatively simple savings plans in 1999, but over the past 21 years the rules surrounding them have become ever more complex.

Taxation of Property

Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values.

Later Life Planning

The last 25 years have changed the way we live. Now we can access information instantly, share experiences with people across the world, and reap the benefits of rapid technological change. These benefits include increased living standards and healthcare, and longer life spans.

Business succession planning

The issues facing businesses when the owner or co-owner dies or becomes seriously ill.
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Financial protection - for you and your family

Making sure that your family have the funds they need if you die or are unable to work.
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Investing for children

How to help your children in their formative years – from providing for their education to buying their first home.
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Investing for income when you retire

Considers the decisions you’ll have to take as you approach retirement, and your options.
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Investment planning and asset allocation

Looks at some of the issues that will help inform the way well define your investment strategy and portfolio.
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Living abroad - the main tax rules

Information for clients who are considering working or retiring outside of the UK.
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Pensions and tax planning for high earners

The tax issues facing high earners and how they can successfully use the tax advantages of pensions.
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Drawing from your pension

The relaxed rules on pensions freedom impacts on many people approaching and in retirement.
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The key stages of financial planning

The financial planning process and how following it can help you achieve the results you desire.
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Pensions and tax planning for high earners

The tax issues facing high earners and how they can successfully use the tax advantages of pensions.
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Drawing from your pension

The relaxed rules on pensions freedom impacts on many people approaching and in retirement.
Download

The key stages of financial planning

The financial planning process and how following it can help you achieve the results you desire.
Download