Advice 4U Financial Planning
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Independent investment advice to provide for the future you want, or the future of those that are important to you. Our Business Protection solutions help safeguard a company's financial future against the unexpected loss of a business owner, partner or key person. Independent financial advice to help you to pass on assets in the most effective way, and reduce or manage an Inheritance Tax bill.

Investments Independent investment advice to provide for the future you want, or the future of those that are important to you. Inheritance Tax Planning Independent financial advice to help you to pass on assets in the most effective way, and reduce or manage an Inheritance Tax bill.
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Advice 4U Financial Planning is a financial advisory firm owned by Mike Rayer, a level 4 qualified Independent Financial Advisor (IFA) with over 30 years of industry experience. Our independent status allows us to offer advice on products across the whole financial marketplace. Advice4U acts solely on behalf of, and in the best interests of, its clients at all times.
Whether you plan to retire early and want a portfolio to sustain your chosen lifestyle, or you intend to leave an amount to family members we can help you realise these goals. Whether you need a lump sum for a deposit on a new or second home or to pay for university fees and perhaps a wedding; first you need a plan.
With more than 30 years' industry experience, our independent status allows us to offer advice on retail investment products from across the entire financial marketplace to best suit our clients' needs. Advice 4U Financial Planning does not act on behalf of any particular bank, insurance company or product provider, but rather in the best interests of our clients at all times.
Every year HMRC receives billions of pounds in Inheritance Tax payments. That is why good financial advice and early Estate Planning for passing on an inheritance and managing an Inheritance Tax bill is so important and can save a considerable amount of money. Many people want to maintain control when passing on their assets.
Business Protection insurance protects a company financially when its owners or employees are affected by illness or death. It can help ensure a business survives the loss of a significant individual. Many businesses understand the need to protect their business premises and equipment, but often forget about their most valuable asset - their staff.
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