It's a fact that everyone would benefit from sound advice at some stage in their lives - whether it's the nice things in life, like how to invest your surplus cash, or planning for a future event, like retirement or financing your children's education. The problem is where to turn for professional and reliable advice.
We pride ourselves on a friendly and professional approach and treating you as an individual with your own unique circumstances, family commitments and approach to life. We aim to provide bespoke quality advice, smooth implementation of that advice and regular reviews in the future at a fair value.
We pride ourselves on a friendly and professional approach and treating you as an individual with your own unique circumstances, family commitments and approach to life. We aim to provide bespoke quality advice, smooth implementation of that advice and regular reviews in the future at a fair value.
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There is an exemption for estates with a value of below 325,000 (as of the tax year 2018/19) and for transfers between spouses. As a result of these allowances, many people become complacent about the impact of the tax. But once you consider the value of your property, given the sustained price rises in the last 20 years, more and more people are being caught in the IHT net than ever before.
For many people pensions is a complex subject - but essentially it is simply a way of accumulating enough money over your working life to provide an income in retirement. And the good news is that there are still many tax benefits afforded to people seeking to save towards their retirement. The fact is that it is almost impossible to plan for retirement without the sort of specialist advice that Gravel Hill Wealth Management can provide.
Equity release has become increasingly popular in recent years. It can be a valuable source of finance for people over 55 who own their own home, with a small mortgage or having repaid their borrowings in full. It can provide an appropriate solution for people who wish to stay in their current homes and have a need to raise cash to maintain their lifestyle, or for example to adapt their home to compensate for a lack of mobility as you get older.
You may well already have cover that protects your mortgage repayments when you are ill and that repays the mortgage in the event of your death. But there are a host of other possible opportunities that may be appropriate in your specific circumstances.
We'll be pleased to advise you on which covers (if any) would strengthen your financial position and also advise you if writing any policies in trust could offer you additional benefits in the future.
We'll be pleased to advise you on which covers (if any) would strengthen your financial position and also advise you if writing any policies in trust could offer you additional benefits in the future.
The answer isn't a simple one, as it needs to take into account so many factors - the amount of cash you need to have available to cover day-to-day expenses and when you might have to have a sum of cash for known events, for example. Then you need to consider your tax position, attitude to risk and reward and whether you need regular income from your savings or you can focus on growth.
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