Investment Strategy & Services

Our clients want to grow their investments over the medium to long term, use them to generate an income they can live on and protect their wealth from being diminished by inflation or taxes. It’s never too soon to start investing, and it’s never too soon to start learning about investing. It is often said that time in the market is more important than timing in the market, and the odds are certainly on your side the sooner you start to invest.

Investing through a tax-efficient wrapper maximises the returns for you and your family. We take the time to build a comprehensive understanding of your individual circumstances, and your tax position forms part of this. We will always look to ensure that you are taking advantage of all relevant tax allowances when helping to structure your finances and manage your investment portfolio.

Two of the most commonly used wrappers are ISAs (Individual savings Accounts) and Pensions.

Pensions

Pensions remain one of the most tax-efficient ways of investing for retirement. But how much and for how long should you invest? More importantly, what level of income will you need in retirement? For most of us, the state pension will not provide adequate funding in retirement to maintain the lifestyles we become accustomed to during our working lives. Making private pension arrangements ensures a comfortable and enjoyable retirement and gives you peace of mind that you will not outlive your funds. As well as pension pots, many clients will build up additional cash savings and investment portfolios to complement their retirement income.

In order to plan for your future, talk to us about investing in pensions options such as a personal pension and a self-invested personal pension (SIPP). We can also review any existing pensions you might have, as well as other assets, and advise on strategies to help you reach your retirement goals.

Our expertise is available to help you navigate the complex pensions environment. We will take the time to regularly review what retirement looks like for you and make recommendations where necessary to give you confidence that your arrangements have capacity to fulfil your individual needs.

Tax

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional financial adviser the most efficient way to arrange your finances. An expert will be able to help you plan your taxes in advance, and come up with effective strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay.

By understanding how taxation works, you should be better prepared to manage your finances and you could save money in the long run. One thing can be said for all forms of tax: if you do nothing, it is highly likely that you will end up paying more to the Government than you actually need to do.

The Financial Conduct Authority do not regulate tax and estate planning.

Planning & Insurance

Insurance Services Tailored For You

Making sure you and your family are protected if anything unexpected happens should be something to keep in mind. Knowing you have enough money to cover any periods without work, or planning ahead in case of illness may provide you with some peace of mind through difficult moments.

Finding the most efficient coverage considering every detail of your situation is something we can help you with. After the initial meeting, we will have a clear picture of what your current protection plans are. We will then discuss the ways in which it can be improved if required, to make this protection tailored for you and your family so it’s as comprehensive as possible.