Clark & John Financial Services

Clark and John Financial Services was founded in 2008 by two highly experienced financial advisers, Robert Clark and Richard John. Managing Director Richard, and fellow Director Robert, started working together in 1998, for an IFA firm in Northampton.

Both Richard and Rob were financial advisers and each presented numerous successful Inheritance Tax and Cautious Investing seminars, to the public, at various hotels and venues throughout the Midlands.This approach was introduced to all existing and new clients alike, and has proven to be proven to raise service standards for all clients.

Your tax position, goals and aspirations and your attitude to risk, are vital areas that need to be explored, enabling us to provide suitable advice that is tailored to your requirements. A Collective Investment Account allows you to invest in a range of unit trusts and OEICs (Open-Ended Investment Companies).

Trusts can be used to ensure assets are given to beneficiaries on death, without need for probate, or used to legally separate assets, from the donor's estate, to potentially reduce inheritance tax liabilities. An Absolute Trust is referred to as "absolute" because the neither the beneficiaries nor their share of the trust can be altered after the trust has been set up.

Inheritance tax is one of the main tax liabilities that may apply after death. There are a number of ways in which the amount you have to pay can be reduced or even eliminated. Find out more below. Every individual has an allowance (where the tax charge is nil), which is called the Nil Rate Band. The Nil Rate Band is currently 325,000 per person and has been frozen at this level until 2020/21.

Making contributions to a tax efficient plan, or deciding what type of benefit to take once at retirement, can be bewildering. We aim to provide simple advice, no matter how complicated the arrangements. A personal pension plan allows you to accumulate a tax-efficient fund of money, which will be used to provide you with lump sum and income benefits at your chosen retirement date.