What we do

Protection is a fundamental part to any good financial planning. It allows you to safeguard your own, your family or even your business needs in the event of the unforeseen. Alternatively, it can be used to provide for the next generation to minimise the impact of potential inheritance tax. We are able to provide a wide range of covers personally or through your business so that you can ease any financial pressures at the worst of times. Protection doesn't stop with just the cover, it is also important to consider who the benefits might be payable to and the appropriate use of a trust to achieve certain objectives.

In recent history, planning for the future has largely been through pensions made available to you by your employer or from your own contributions. Pensions do have an important part to play in financial planning, as they have their own specific tax benefits to utilise. Making sure you get your pension planning right can play a key part to your future. There have been many changes to the pension landscape in recent years, making it more important than ever to review your current pension position.  We can help you understand your current position in order to maximise your contributions or invest any pension funds in line with your investment expectations for what is ultimately your benefit.

This brings all aspects of financial planning together to see how each element works and their impact on one another. Using specialist financial planning software, we can show you your story and see if you are able to have the future you are hoping for. If you can, then we will look at how to ensure it stays that way.  If not, then we can understand why and where changes might be needed. Ultimately, it helps to remove some of the burden or concerns people naturally have about the future and how important it is to make the right decisions at the right time.

Financial planning doesn't just stop after Protection, Pensions and Investments. Debts, Wills and Estate Planning can also play an important part which can be overlooked.  Wills and Lasting Powers of Attorney should be in place to make sure what you want to happen in certain events does happen.  With Estate Planning there are a number of ways to potentially reduce inheritance tax throughout your lifetime that could see more left to those you wish rather than those you may not. After all inheritance receipts have been rising for what was once called a "voluntary levy".   Debt management and any mortgage that you may have, should always be reviewed for what could be one of your largest monthly expenses.

Where needed we have formed a number of relationships with various professionals in the above fields to work together with our clients to achieve their goals and objectives.

With any capital accumulated, there should always be a sufficent amount available for any unforeseen immediate needs in any financial journey. With that need satisfied, there are a number of options or allowances available for capital investment to obtain income going forward, growth for the future or a combination of both. We are able to review what opportunities there are that might be suitable for your capital holdings or existing arrangements to align with your needs, investment objectives and any tax efficiency.