We firmly believe that a comprehensive understanding of all of your assets and income streams is essential to enable an accurate and meaningful answer to “how much do we really need to live the life we really want”
We seek an understanding of all of your pensions, investments, properties and income streams to ensure advice we provide has the highest probability of success and provides you with maximum value.
Our investment philosophy, based on decades of the finest global academic research, is matched to your own experiences and perception of risk, the level of risk you actually need to take to achieve your goals and crucially, your current and future financial capacity to ride out unexpected financial events.
We have considerable experience and specialist skills in helping families and individuals minimise their Inheritance Tax liability, thereby increasing what their chosen beneficiaries will ultimately inherit.
At the heart of any planning is a recognition and understanding that retaining your financial independence and ability to maintain your preferred lifestyle is absolutely paramount.
Additionally, we provide Trustee investment services to individuals and families for multi generational investment and tax planning.
We recognise that any advice we provide should be reviewed regularly to ensure that any subsequent changes in your own situation, changes in the investment world, tax or legislative changes are incorporated into your own plan and that you remain on track to live the life you really want.
Our interactive planning will always provide you with an accurate and realistic overall picture of your own financial situation.
We can show you how the effects of long term care cost can impact your financial plans and provide you with strategies to plan for this eventuality.
I want to thank you for your time, input and advice over the years over my pension and retirement. I enjoyed working with you and would not hesitate to recommend you and your services.
The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]Read more →
What is a power of attorney? A power of attorney is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are a number of reasons why you might need someone […]Read more →
3 things to remember if you’re planning on gifting funds You may be familiar with the expression “it’s better to gift with a warm hand than a cold hand” i.e. make gifts during your lifetime and gifting can form an essential part of Inheritance Tax planning. We’ve identified 3 key points with gifting that many […]Read more →
It’s a tough gig being a financial media pundit whose job requires making eye-grabbing calls on the outcomes of major world events. But at least the pundits rarely have to deal with the consequences of their bad predictions. From the Brexit referendum, to the US presidential vote to general elections in Australia, the Netherlands, France […]Read more →