Padstone Financial Management Ltd was established in Hereford in 2001. We offer unbiased Independent Financial Advice on a host of areas but specialise in pre and post retirement planning and investment advice. In writing: Write to Mark Young, Padstone Financial Management Ltd, Unit 5, Whitestone Business Park, Hereford, HR1 3SE OR by Phone: Telephone 01432 820710 OR Email us at: mark@padstone-fm.co.uk.
The Financial Conduct Authority does not regulate taxation and trust advice will writing and some aspects of buy to let mortgages.
The Financial Conduct Authority does not regulate taxation and trust advice will writing and some aspects of buy to let mortgages.
Services
Padstone Financial Management Ltd is Hereford based, providing a comprehensive service to both existing and new clients alike. The company draws on many years financial services experience. Mark has 21 years financial services experience, eight of them with the National Westminster Bank. In that time he has covered all aspects of financial planning gaining extensive experience in investment and inheritance tax planning.
Investing capital is always a concern for most people as we don't really like taking risks as human beings and no-one wants to lose money. However in times of exceptionally low interest rates, such as now, we have to take some risks in order to achieve better returns. We will assess your risk profile and capacity for loss and listen to your needs and then aim to provide suitable solutions to your requirements.
The simple fact is we are living and working longer. Making provision for the future and retirement is vital. This has been helped by the introduction of Auto enrolment but put simply we need to save more for retirement. The most suitable solution will depend upon your employment and tax status but we can assist you and your Accountant if necessary with finding the right solution.
You might want to consider protecting your income in case of ill health - particularly if you run your own business. How would you meet your mortgage costs if unable to work due to an accident, sickness or unemployment. If you are in employment, how long would your employer pay you in the event of long-term ill health.
This is a complex area which requires great care and specialised advice. We normally cross our services with solicitors in this area to ensure most accurate advice is provided. Inheritance tax and its application can be confusing and is often misunderstood. The basic rate of IHT is 40% on assets above 325,000 for an individual; this has not changed for a number of years.
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