Services

Wealth Management

Our wealth management services provide a single view of your investment portfolio and offer an innovative approach to financial planning and advice.

We offer a comprehensive solution to an ever-changing financial world and by working closely together we can help you meet your objectives and advise you on how to:

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Accumulate wealth.

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Maximise your wealth.

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Preserve your wealth.

We provide bespoke, tailored solutions to your financial requirements and recognise that financial planning and wealth management is about protecting your lifestyle now and, in the future, to maximise your family’s long-term wealth.

Benefits of our wealth management service

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A lifestyle plan personal to you and your family.

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Maximising the tax efficiency of your portfolio.

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Maximising the return on your financial investments.

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Helping you to manage change effectively.

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Cash flow management.

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Simplifying the administration of your portfolio.

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Online access to view all your investments and funds in one place.

Retirement Planning

Whether you are just starting out with your pension planning or approaching retirement, it is important to receive professional advice as the choices you make will affect the income you receive when you decide to retire.

Pensions are a tax-efficient way to provide for retirement. With your objectives in mind, we can offer comprehensive advice to help make the most of your retirement for plans including:

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Stakeholder Pensions

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Personal Pensions

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Self-Invested Personal Pensions

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Group Pensions

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Small Self-Administered Schemes

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Annuities

Savings & Investments

Whether you are saving with specific goals in mind or want to grow an existing investment portfolio, we can tailor advice to your specific needs in the most tax-efficient way.

We offer a range of investment solutions including:

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Portfolio management

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ISAs

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Investment Bonds

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Offshore Bonds

Tax Planning

Tax planning affects all aspects of financial planning. Some of the areas that tax can affect are:

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Capital Gains Tax (CGT) on your savings and investments.

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Inheritance Tax on your death or when you make gifts.

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Tax relief on your pension contributions.

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Tax-free lump sum from your pension fund on retirement.

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Tax-free growth on your savings.

We will work in partnership with you to ensure your finances are arranged in the most tax-efficient way. This will allow you to enjoy all the tax advantages that are available whilst growing your wealth and then to protect that wealth from being taxed unnecessarily.

If your tax affairs are more complex, we will work alongside your accountant to ensure that you are taking advantage of all the tax allowances and reliefs that are available.

Mortgages

Your mortgage is possibly the biggest and most costly personal financial commitment that you will make during your lifetime. It is therefore important that you get the right mortgage advice for your needs.

As independent advisers, we have access to the whole market, and we will ensure that you take out a mortgage that provides the best solution for your circumstances and objectives.

Client Signs Document to Buy House and Real Estate

We can assist with:

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Residential mortgages

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Buy to let mortgages

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First time buyers

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Home movers

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Remortgage

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Raising additional capital

Your home may be repossessed if you do not keep up repayments on your mortgage.

Protection

Having the right protection plans in place can provide peace of mind should prolonged ill-health, disability or death threaten your family’s financial security.

We can help you find the right cover to suit your needs and compliment any existing protection you may already have such as:

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Life Cover

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Critical Illness

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Income Protection

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Private Medical Insurance

It is important to regularly review your insurance arrangements for as circumstances change, so do your insurance needs. For example, moving home, an addition to the family, a new job, redundancy or retirement are all factors which could influence your insurance needs.