Services

We provide a range of financial advice, management and planning services to businesses and individuals. Our services are designed to grow and protect your wealth in the most tax-efficient way possible.

Our range of financial services for businesses includes:

For individuals, we look at managing your wealth with:

     -   corporate tax planning
     -   business financing and debt
     -   staff benefits set-up
     -   key personnel insurance.

     -   pension planning
     -   savings and investments
     -   insurance and protection
     -   estate and succession planning.

Corporate Planning

Most small to medium sized firms are unprepared in some areas of financial planning.

The consequences of this oversight may simply result in paying more tax than necessary, or it can be much more serious in that events which can and should be insured against are left uncovered, with possibly disastrous consequences for the firm and its owners.

Come and talk to us about how we can provide advice tailored to your particular circumstances.

Tax Planning

Some people pay too much tax, or miss out on opportunities to reduce their tax.

If you have investments, pay higher rate income tax, or run your own business, you should have your position reviewed.  If you are married and one of you is in a  higher rate tax bracket than the other, you should have your position reviewed.
If you, or your partner, came from overseas, you should have your position reviewed.​

Pension Planning

Pensions are financial tools whose purpose is the provision of money in old age.
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Do you KNOW how much of a pension you will get when you retire?
Hint - many people are surprised to find how low their expected pension is.

We can help you assess your expected pension and, if it will be too low for your needs, look at increasing it.
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Life Assurance

The aim of life assurance cover is to provide money for people who financially depend on you.

If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.

One simple question:

"if you were in a fatal traffic accident tomorrow, would anyone else be left in the financial mire?"

If the answer is "yes", then we should discuss your insurance needs, in order to ensure that you and your dependents needs are properly catered for.

Investment Advice

It is our role as an IFA to help you choose the right investments in order to help you meet your objectives.

What you need to give some thought to is what those objectives are. This is an area in which compromise and self understanding are essential.
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Some people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise. Sensible investment planning revolves around understanding what your investment aims are.

You may be willing to accept a degree of short-term risk with an investment that is made for later in life, such as those intended to fund your retirement. But short-term safety should be your priority if you're likely to need the full amount in the near future, for a deposit on a house for example.
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We aim to help you develop an investment strategy that is appropriate for your needs, using investments that suit your attitude to risk and tax position.

Health Insurance

These days, for people of working age, good health is the normal state, and few people consider what would happen if, due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in old age.

This group of insurances covers all these issues - from getting fast and effective health care, to providing lump sums for more serious problems, to providing income where long term ill health prevents you working, to providing for the (potentially life savings destroying) cost of old age care.
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In short, they are all about maintaining your Quality of Life in adverse circumstances.

Contact us to arrange a no-obligation consultation about your wealth management and financial planning needs.