We offer a wide variety of investment products and as we are independent we can research the entire market for the most suitable provider as well as product. We advise on all areas of personal finance. In particular we are happy to offer a review of existing portfolios for new clients. The key areas we consider are tax efficiency, risk and suitability to client objectives.
This is relevant because many people have accumulated a range of financial products from various sources historically with no coherent plan. It is important to make sure that your money is working for you. This approach to financial advice is at the heart of all that we do. We meet regularly to ensure that you are on track to achieve your goals and review all aspects of the plan we have created for you.
This is relevant because many people have accumulated a range of financial products from various sources historically with no coherent plan. It is important to make sure that your money is working for you. This approach to financial advice is at the heart of all that we do. We meet regularly to ensure that you are on track to achieve your goals and review all aspects of the plan we have created for you.
Services
There is a vast range of financial products available to invest in. However, that is not the starting point for our investment process. We begin by helping to define what your financial objectives are and how they fit in with your current and future personal and family plans. This involves careful questioning to try and clarify as far as possible how far along the journey each person is and whether any existing financial products are a good fit.
We have been constructing portfolios since 1987 which have been tested by both positive and negative market conditions due to economic cycles or major global events. In addition, we have witnessed the fallout for clients who have been advised to invest in portfolios based on inadequate models or ones that have not adapted to the changing investment conditions.
Self-Invested Personal Pensions (SIPPs) are subject to the normal rules and regulations for registered pension schemes, but offer the freedom of choice over investment management, whilst keeping the administration in one place. This means that you are able to change the investment manager when you wish, without incurring the expense of changing the provider of the administration.
The discounted gift scheme is an arrangement which allows you to make a gift for inheritance tax (IHT) purposes while retaining the right to a fixed income (in the form of regular withdrawals) for your lifetime (or until the trust fund is exhausted). Usually an investment bond is used to hold the lump sum as its structure allows regular withdrawals to be made without immediate tax liability.
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