Financial Advice – Our Service Offering
As independent advisers we offer all forms of regulated advice to our clients:
Personal
Pensions and Retirement
- Retirement planning: Advice on accumulation of funds / appropriate types of pension contracts.
- Pension investment – ongoing advice / investment management.
- Close to /at Retirement – advice on retirement choices: Cash Flow and Tax planning, Annual and Lifetime Allowance issues, Final Salary pensions, flexible access drawdown, ongoing investment management (income/growth), annuity provision.
Investments – full advice services for cautious through to adventurous investors:
- ISAs and other Collective Investments: OEICs and Unit Trusts
- Risk-rated, multi-asset, multi-manager
- Onshore and offshore investment bonds
- Investment Trusts and Exchange Traded Funds (ETFs)
- Structured Products
- Venture Capital Trusts (VCTs)
Inheritance Tax planning and mitigation
- Advice on Gifting, family trusts, use of investment bonds, niche products, underlying investments
- Appropriate use of Trusts: Discounted Gift Trust, Gift, Loan Trust, Discretionary and Absolute
- Advice on maintaining access to capital at specified intervals (niche products)
- Tax and cash flow planning
Life Insurance and Health Insurance
- Advice on the appropriate levels and type of cover to take out
- Life and life / critical illness cover on level, increasing and decreasing terms
- Income Protection