TWM Ltd is a firm of financial advisers based in the West Midlands, UK. We provide advice to both individuals and companies on many aspects of financial planning. Deciding how best to invest your money can be daunting. With so many options available and so many uncertainties, how do you choose what's right for you?
Our job is to eliminate as much of that uncertainty as possible and to work with you to identify the most appropriate way for you to achieve your financial goals. Pensions and Retirement: Choices you make at this time will affect your lifestyle so you need to make sure they're right. Investment Advice: Helping you meet your requirement to generate income, growth or a combination of both.
Our job is to eliminate as much of that uncertainty as possible and to work with you to identify the most appropriate way for you to achieve your financial goals. Pensions and Retirement: Choices you make at this time will affect your lifestyle so you need to make sure they're right. Investment Advice: Helping you meet your requirement to generate income, growth or a combination of both.
Services
TWM Ltd is a firm of financial advisers based in West Midlands, UK. We provide advice to both individuals and companies on many aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising objectives. As independent advisers, our clients benefit from TWM Ltd being able to offer advice on the broadest range of products and services.
We're here to help you choose the right way to invest your money in order to help you meet your objectives. In this section we've covered the most common types of investments. Speak to us to discuss your situation further. The Financial Conduct Authority does not regulate National Savings. The Pension market is forever changing and highly complex, so we've explained the most common pension policies.
Would just like to say how highly impressed we were with your vast knowledge of the pension system and how much you have helped us; you even won my husband over as he has always been reluctant to see anyone concerning finances. Some 15 years ago my father died and I needed some professional advice to manage my portfolio to maximise income and minimise tax liability on my projected early retirement from teaching.
Treating customers fairly (TCF) is central to the delivery of The Financial Conduct Authority (FCA) retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right.
Pensions can be used as a very effective form of tax planning having useful tax privileged incentives; reducing your immediate tax liabilities, achieving tax free growth (where the investment profits are exempt from income tax and capital gains tax (CGT)), the ability to take part of proceed as a tax-free lump sum and potential to pass on their value to the next generation and nominees (and beyond) without any inheritance tax being payable.
Pensions can be used as a very effective form of tax planning having useful tax privileged incentives; reducing your immediate tax liabilities, achieving tax free growth (where the investment profits are exempt from income tax and capital gains tax (CGT)), the ability to take part of proceed as a tax-free lump sum and potential to pass on their value to the next generation and nominees (and beyond) without any inheritance tax being payable.
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