Financial Services

Our financial planning experts provide a comprehensive range of advice, along with tax planning expertise. Our independent status means that our advice will be the most appropriate for your needs.

Here are just a few of the areas we cover:

Pensions

The government offers a range of tax incentives to help you save for retirement but these schemes are so varied that expert advice is essential to ensure that you are on the right track. We would review your existing investments and suggest any impovements we feel are appropriate along with a course of action going forward to ensure your needs are met.

Investments

Our advisers do not believe in the traditional method of just investing your savings into life office managed funds, and will instead present a range of investment opportunities to you that are appropriate to your needs. As we are not limited to commission earning products we often suggest that our clients invest in forestry, farmland and commercial property along with the traditional equity based investments, if appropriate .

Protection

Insurance is unfortunately a necessary evil and as one of our clients put it “it’s a waste of money until you make a claim”. We will discuss the various aspects of this with you and between us agree an affordable solution ensuring that the appropriate trusts are put in place (if applicable).

Estate planning and inheritance tax planning

One dilemma faced by our clients who have spent their life saving to accumulate wealth is to decide how their estate is distributed on their death. We realise that there is a balance to be made between personally enjoying the fruits of your labour and passing them on to your beneficiaries.

We try to work with you to ensure that we can mitigate Inheritance Tax as much as possible while still ensuring that you have sufficient capital and income to enjoy life to the full.

If you would like to discuss any of the above areas or any other financial matter please don’t hesitate to get in touch.

Tax Reviews and Investigations

We are happy to provide advice or second opinions regarding the suitability of the various tax favoured investments available on the market and also to help anyone who is subject to an investigation by the Inland Revenue.