MMP Financial Planning

Every investor needs at least some part of their portfolio in liquid investments in case of emergency, but low risk usually leads to lower returns. For anyone with longer term investment plans you need to have a well-diversified portfolio investing in other asset classes that offer better capital growth potential and beat the perils of inflation.

Pension legislation has changed drastically over the years and for many this can be an area that presents a number of confusing possibilities. Planning for your future is important and contributing to a pension is the most tax efficient way of providing for your future.

Due to the introduction of the Pension Freedom Rules your pension has not only become a means of providing an income in retirement, it has also become an important tool in respect of passing your wealth onto your beneficiaries.Building a long- term relationship helps us to understand what is important to you, keep you well informed and enable us to help you build for your future.

At any one time, there may be hundreds of different mortgages available. It can be very time consuming for you to establish exactly what mortgage is right for you and at the end of the day, how can you be sure it is the most competitive available? We can save you both time and money, by assisting you to select the best mortgage available and helping you to complete the large amount of paperwork that goes hand in hand with most mortgages.

Many of us are more than happy to ensure that we have protected our Car, our Home and our Travel arrangements for the short period of time we are on holiday. However, we sometimes neglect the need to ensure that our debts and our families are protected in the event of ill health or death. The cost of providing this protection can often be cheaper than we think.

The impact of an owner or key employee becoming ill or if they die can have a huge impact on the business. The immediate concern will be to make sure the business can carry on running until a replacement can be found, or until the colleague comes back to work. Cashflow can become a major headache. Business Protection lets owners plan for the unexpected by providing cover so that the business can keep running with minimal disruption.