Services

Estate Planning
Managing Your Income
Balancing Risk & Reward

Estate Planning
We will look to balance your need for income and capital for you and your needs with your desire to leave a legacy for the generations after you. We will help you structure your plans with an eye to the potential Inheritance Tax liabilities on your death, and then afterwards for the future generations of your family. This will take in to account existing plans and those that we may recommend for you. Estate planning is not regulated by the Financial Conduct Authority.
Managing Your Income
Whether before or after retirement, we can look to manage your income to balance your need for income now and having sufficient capital in the future. We will help ensure that your plans are set up in wrappers that will keep the tax you need to pay on that income to a minimum. We will make sure you do not miss out on important tax reliefs and allowances, that once gone are gone forever. The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.
Balancing Risk & Reward
We will discuss with you the trade-off between risk and reward and use advanced tools to understand your views on taking risk with your money. We will then tailor your recommendations around these views, to help you feel comfortable with the journey that we set out with you. The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.  The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Allowances & Tax Reliefs
Reviewing your Plans
Tax Efficient Savings

Allowances & Tax Reliefs
Many tax allowances and reliefs are time limited, and are open to change by legislation or budgets. We will check that your existing plans are making the most of these, and we will recommend that any new plans that we may recommend are set up in a way which maximise these allowances. Where we set up an ongoing relationship, we will remind you of these allowances so that you can continue to benefit, and also let you know when there are budget or legislation changes that may affect you. Tax planning is not regulated by the Financial Conduct Authority.
Reviewing your Plans
As a starting point, and as part of gaining an understanding of you and your needs, we will get to know what plans you have in place that you can utilise in the plan that we will build together. We will check that these are set up correctly, and advise on any action on these plans as part of our recommendations to you.
Tax Efficient Savings

Whether it be plans you already have in place, or new plans that we may recommend, one of our key intentions will be to have these set up in ways that make the most of government tax reliefs and allowances. We will make sure you do not miss out on important tax reliefs and allowances, that once gone are gone forever. We will ensure that you make the most of these allowances and reliefs as we continue to work with you.

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

Tax treatment varies according to individual circumstances and is subject to change.

Your Retirement Options
Saving for Retirement
Agreeing your Goals

Your Retirement Options
Especially with the recently introduced Pension Freedoms, the options open to you are wide as you reach retirement. We can help you to explore the options and help you to make the right decision for you, especially around helping you achieve the income you need, with a level of risk that suits your views. The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Saving for Retirement
We will help you build a plan for your retirement. We will discuss when and how you may want to retire, and help you gauge how much you will need for the lifestyle you would want in retirement. Retirement is a much more flexible event than in the past and we can help you move towards it with a plan in place that we will monitor with you to ensure that your plans remain on track. The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Agreeing your Goals
Before we make any recommendations, we will make sure that we understand your hopes and aspirations, and your attitude to risk and return. This will draw us a picture of what you want to achieve. This process also allows you to understand what to expect from us and how you will benefit from using our services. Typically we will cover the fee for this part of the process.