Personal Financial Planning
Everyone has different financial aspirations. You may want to purchase a property, secure an income for retirement, pay for your children’s education, provide for dependants, and pass your estate to your family. Whatever your stage in life, meeting every competing demand on your money isn’t easy.
Helping you take control of your finances
Personal financial planning enables you to look objectively at your finances and devise a strategy that helps you meet your goals. It puts you in charge of your money and gives you a better chance of achieving your objectives. Our advisers can guide you through this process, so you feel more in control of your money and your plans. We will:
- Agree and prioritise your objectives
- Analyse your current investments
- Anticipate some of the events that might arise
- Agree an action plan.
Enhancing your financial plans
Our advisers will provide an in-depth analysis of your existing investments and savings, including:
- Investment risk – is it right for you?
- Taxation – can you reduce the burden?
- Contractual charges – can they be reduced?
- Contractual guarantees – should they be preserved?
This analysis will help you save with confidence for the future and plug potential gaps in your plan. It can be easily updated every year to account for your changing circumstances.
It has never been more important that you have adequate pension provision. Nowadays we are living longer, expecting more of our retirement and can no longer rely on the state pension to support us once we stop working.
We have all worked hard to accumulate our assets and the decision to invest should not be taken lightly. The reasons to invest can vary greatly but for many people it can come down to simply wishing to maximise returns or help defend against inflation.
SCHOOL FEE PLANNING
There are lots of options for School Fee Planning; Capital to Invest, Monthly Savings, Immediate Fees, Your Bespoke Plan, Flexibly. We can help achieve your aims goals to help fund your children's education.
Have you dependants you wish to protect, or outstanding mortgages/debts. You might want to consider protecting your income in case of ill health – particularly if you run your own business.
We will ensure that you have the right health insurance for your individual circumstances to help maintain your quality of life.
If your assets, including your home, are worth £325,000 or over, you should consider planning for inheritance tax. Although changes in legislation have helped remove many families from the IHT bracket.
Speak to a Qualified Independent Financial AdvisorEnquire Now