• Everyday you make 35,000 choices
  • one day you will have to choose who to go to to for financial advice
  • Choose someone you can trust
  • If you don’t know where you’re going then any road will take you there

OUR SERVICES. WHAT WE DO

The entire point of what we do is to make clients better off at every point of contact, either

  • In financial terms
  • In terms of knowledge – a better understanding of their current situation or for opportunities available to plan around
  • In reducing unacceptable financial risks

Our first meeting together is designed for us to understand more about your financial goals and to see if we are able to work together moving forward. It's important to note that the first meeting with us is at our expense and is without obligation. If you would like to find out more please get in touch.

  • Equity Release

    If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.

    There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.

    Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you. Alternatively, our recommendation may be to use other forms of finance once we have assessed your situation.

  • Taxation

    Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

    Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

    An expert will be able to help you plan your taxes in advance, and come up with effective strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay.

    Send us an enquiry

    TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

    INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.

    THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAX PLANNING.

  • Business Protection

    Key Person Protection

    Key-person insurance provides a lump-sum should a major in the business die or become *critically ill. It is a very cost-effective insurance that can help with the cost associated with such a catastrophic event. The insurance has different benefits depending on the type of company.

    Sole Traders

    It is often the case that the business will end if the key person cannot work through illness or injury, dies or becomes critically ill. Income Protection, Term Assurance and *Critical Illness cover are all recommended.

    Partnerships

    If one of the partners dies it is likely their share of the partnership will pass to a surviving spouse or child. We can provide tailored solutions to protect each partner giving peace of mind against the financial consequences of being unable to work through illness or injury or a partner dying or suffering from a critical illness.
    Limited Companies

    To ensure the business can continue should an employee be unable to work through illness or injury we can help protect the company against the financial burden of long-term illness and recover from the loss of a key employee through *critical illness or death.

    If a shareholder, the surviving beneficiaries will inherit the shares and will own part of and possibly even gain a controlling influence over the remaining business but are unlikely to have the skills and knowledge to contribute to its continued operation.

    It is often in the interest of all parties to put in place an agreement that allows the surviving partners or shareholders of a company to 'buy out' the interest of the deceased partner or shareholder. A cross option agreement backed by an appropriate term assurance policy can provide the deceased’s estate with a lump sum and return the shares to the business.

    Setting up these arrangements can be potentially both tax efficient and save enormous stress and disruption to the business and the beneficiaries.

    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.

    * THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

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