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.
Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the currency, and […]Read more →
Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. We […]Read more →
In our experience, planning and funding for the payment of Long Term Care sits high on peoples lists of concerns and priorities. We had the recent furore regarding the so called Dementia Tax, alongside the ongoing confusion about assessment and eligibility for the State’s (NHS) Continuing Health Care funding. Finally, we are often asked about […]Read more →
What is The Lifetime Allowance? Since its peak of £1.8m in the 2011/12 tax year and three subsequent reductions since then to its current £1m level, the Pension Lifetime Allowance (The Lifetime Allowance (LTA) is a limit on the amount of pension benefit that can be drawn from pension schemes – whether lump sums or […]Read more →