Financial Planning
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Our nine point personal financial planning service ensures our advice meets your personal financial needs
1. Tax Planning
2. Investment
3. Retirement
4. Estate Planning & Wills
5. Income Protection
6. Insurance
7. Mortgage & Loans
8. Saving For Education
9. Business Valuation & Exit Strategy
Tax Planning
For most people in business almost half of the profit they earn will be paid in tax, either corporation tax, income tax or national insurance. For many the benchmark is how much they keep, not how much they earn. We have a range of tax mitigation solutions that solve many tax problems. You will be surprised what is availabe.
Year End Tax Guide
Much more on tax here
Specialist Tax Reduction here
Investment
The performance of your investments can make a significant difference to your financial well being. We follow a strictly systematic approach when advising clients in this area. This includes consideration of the following:
• Length of time the investment will be held
• Type of wrapper (bond, ISA, pension, etc.)
• Attitude to investment risk
• Asset Allocation (property, cash, equities etc)
• Selection of outperforming funds
Having a robust and systematic approach to investment helps to ensure that your investment portfolio performance meets your expectations
Tax Efficient Investments
Building Wealth With Investments
Summary of Investing
Retirement
It is crucial that you obtain professional advice when planning your retirement. Pensions enable you to acheive several important financial planning needs in one solution as follows:
• Secure your retirement
• Ring fence key business assets from business risk
• Form a Strong Foundation for an Exit Strategy
• Substantially Reduce or Eliminate Tax
If you own your own commercial property it is possible to greatly reduce your tax liability simply by rearranging the legal structure in which you hold that property. A commercial property held in pension is removed from your business risk in most circumstances.
How Pensions Provide Tax Relief
How to plan for a comfortable retirement
Estate Planning & Wills
Wills are a basic financial planning necessity that are often overlooked. We offer a will instruction taking service backed by Just Wills PLC. This is quick and low cost solution.
Where the total estate is greater than an individual's lifetime requirements we provide a range of Inheritance Tax mitigating solutions.
Does Your Estate Planning Pass The Test?
Income Protection
If you own your own business then income protection is an essential insurance. If you are unable to work then this insurance will provide you with an income until you are able to return to work. It is generally the most common and important form of insurance for the self employed. Please call us to find out more.
Insurance Solutions
Protecting you, family and your business is obviously desirable. There are a range of insured solutions to common financial problems such as providing a lump sum for purchase of shares on death, providing for critical illness or protecting against the loss of a key employee. We will advise on the options and levels of cover you should consiser.
Could Your Company Survive Without You?
Mortgage & Commercial Finance
We have a range of specialist lenders who we can suggest to clients whether looking for residential loans or specialist business funding solutions.
Finding The Money To Develop Your Business
Choosing A Mortgage
About Buy To Let
Cutting Interest Payments
Saving For Education
Planning for children's education has become more important with the advent of University tuition fees. We offer a range of plans designed to save tax efficiently for educational needs.
Planning Your Childrens' Education
Business Valuation & Exit Strategy
There are many good reasons to have an estimate of your business value, especially when formulating an exit strategy. The value of the business is often only part of the solution. Most people like a large element of certainty when planning their exit and having an idea of the pot of cash they will have available is the way to achieve this. If you would like more certainty surrounding your ultimate exit from your business please talk to us.
Planning Your Exit
7 Steps To Successful Transition
Valuing Your Business For Sale
"The time to repair the roof is when the sun is shining"John F. Kennedy 35th president of US 1961-1963 (1917 - 1963)
