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Investments
an introduction
Discretionary Management
Managed Portfolio Service
Bespoke
Advisory Stockbroking
ESG Investing
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ISAs
an introduction
Every UK resident has the ability to save and invest up to £20,000 per annum in a tax free environment, otherwise known as the Individual Savings Account (ISA). Trading stocks and shares within an ISA wrapper can offer a great level of flexibility to investors. We are able to advise upon your existing ISA and the equity holding within it. Capital gains taken within an ISA are not subject to tax and any income taken from an ISA is not subject to income tax making it an attractive investment tool.
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Pensions and Retirement
an introduction
Enjoy a happy retirement – Let us do the hard work, so you don’t have to
It has never been more important to plan for retirement. With decades of experience in pension advice, our financial advisers are well equipped to guide you through your working life growing your pension pot to ensure a healthy income is waiting for you when you retire.
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IHT Planning
an introduction
Inheritance Tax (IHT) is arguably the most criticised tax in the UK. IHT is levied on the value of a person’s estate at the time of their death. This will include a person’s property, money and possessions.
There is normally no IHT liability should the value of the deceased’s estate falls below £325,000, the current IHT allowance.
Above the allowance, the standard rate of IHT is 40%.
There are several reliefs and exemptions that can help reduce the amount of Inheritance Tax.
Our financial planners can provide advice on the reliefs and exemptions available to you, helping you reduce your IHT bill as much as possible for when you pass away. The earlier you prepare for this inevitability, the better.
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Protection
an introduction
No one likes to think about the worst-case scenario, however, is critical we protect our loved ones should a situation occur that would leave them without the necessary financial resources to cover your family commitments.
Whether it is your family, your income, your mortgage, your health – protect what matters to you the most and make the right choice for you.
There are many options available when it comes to protection. Our financial advisers will search the whole market explaining the benefits of each type of policy to make sure you get the best policy at the right price.
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