Individual clients

We work with individuals seeking wealth and tax management advice customised to their particular situation, delivered in an approachable and professional way. We believe in educating and empowering you to understand issues that affect you. We’ll never confuse you with jargon and we’ll always keep you informed and involved. Our services span all aspects of financial planning from investments to pensions, inheritance tax planning, protection, equity release and long term care. Read more

Business clients

We provide a range of wealth and tax management services for business owners and their employees. We understand the importance of attracting and retaining quality staff, that’s why we take time to understand your business, your current and future plans, and the needs of your employees. We will review your existing arrangements and make recommendations as appropriate. From establishing and managing your corporate pension scheme, to employee benefits and protection, as well as individual advice for your employees. Read more

Professional Partners

To deliver a full range of advice and wealth management services we partner with members of the legal and accountancy profession. We acknowledge that legal, accountancy and financial matters often go hand in hand, so we’ve adopted an integrated approach to managing our client’s affairs. Our professional partners work alongside us to devise a joined-up strategy, remaining involved throughout the advice process, building long-term and engaged relationships. We are always looking for like minded professional firms to partner with in this way. Read more

Wealth and Tax Management Services Provided

Pension & Retirement Options – As we are living longer, it is unlikely that the state is going to provide for us in our retirement, so it is important that we start saving as early as possible.

Having a sufficient income in our retirement should be a major financial priority, without it we could be facing poverty at a time when we would like to be indulging ourselves in our hobbies and interests. There are clear tax advantages for pension planning, which everyone should take full advantage of. Contact us to find out more about our pension & retirement financial planning services.

Tax Efficient Investment Solutions – Many people pay too much tax or miss out on opportunities to reduce their tax bill by failing to seek professional advice. Effective use of annual reliefs and exemptions can help to reduce income and capital gains tax liability.

Inheritance Tax Planning – Inheritance Tax (IHT) is the tax paid on your estate when you die. However, it can also apply to your estate while you’re alive, especially if you transfer some or all of it into a trust.

Corporate Solutions – 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, however 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.

We can provide financial planning services and solutions in the following areas:

  • Pension Planning for Directors
  • Company Pension Schemes
  • Protection for your business and key personnel
  • Business Financing Solutions
  • Assistance with government grants

Life Cover and Family Protection -The aim of life cover is to provide a lump sum for people who are financially dependent on you. Whether it is taken out to protect your mortgage in the event of death or to cover a potential inheritance tax bill, life assurance provides protection for you and your family. You can protect yourself and your income by taking out additional cover to protect your standard of living in the event of unexpected events, we can offer financial planning services for the following:

  • Critical / Serious Illness
  • Total Permanent Disability
  • Income Protection
  • Redundancy Cover
  • Private Medical Insurance

Mortgages – Over recent years the mortgage market has been more complex than ever. If you’re buying a property or simply looking to remortgage to gain a better interest rate please contact us for mortgage financial planning services. We can find the most suitable mortgage rate for you.

Tax Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Life cover (non-investment) and income protection – The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical illness – The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.