Managing your money can sometimes be a headache, and the huge choice of financial products that are now available can often confusing. Our clients may require advice because a need arises during our work, for example:
Retirement: Various options arise at retirement. For example, do you take any available lump sum? If you have a money purchase fund, should you buy the annuity or take income drawdown? If pension planning is still in its early stages, do you need to pay higher contributions to achieve your target fund? Which pension do you choose? Do you need to pay into an AVC?
Inheritance Tax Planning & Saving: Do you have an estate which will attract inheritance tax? If so, how can you try to mitigate this liability? Is your family protected if you die prematurely?
Divorce: How will any divorce impact on your savings and pension arrangements in particular? How do you get the best price for your endowment if this has to be surrendered?
We have close links to regulated IFA’s , and in conjunction with them we arrange for advice about:
- retirement planning
- inheritance tax planning
- equity release
- long term care
- life assurance