OUR SERVICES. WHAT WE DO

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  Financial Planning

  Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future - short, medium and long term.

  You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can't leave it all to chance. Careful planning aims to help turn your plans into reality and the sooner you start your financial planning the greater your chance of realising your goals.

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  THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

  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.

  A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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  Effective Cash Management

  Using our online Effective Cash Management service makes the management of savings very simple and straightforward.

  Our Effective Cash Management (ECM) service will help you to identify the most competitive interest rates to maximise returns on your savings today and in the future.

  All of the difficulties associated with finding the best rates, understanding which savings providers have the FSCS protection and completing the applications is removed.

  Calculate the highest returns available on UK cash savings TODAY!

  

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  Long Term Care

  Funding of care fees: Understanding the true costs to you or your loved ones

  Many older people receiving care, and others who anticipate needing help in their later years, will have followed with interest and some optimism the Care Act of 2014  through Parliament.

  Changes came into force from April 2015 in the way that Local Authorities assess care requirements. Further changes were due from 2016 in personal financial limits (the "Charge Cap") but have now been postoponed until 2020 at the earliest.

  Proposals were at the time to introduce from 2016 a "cap" on an individual's requirement to pay for social care with that cap set initially at £72,000 and to introduce a higher capital limit (the amount of savings which a person can have and still qualify for funding towards care fees) from the current level of £23,250.

  The majority of people will not, however, be aware that these changes were postponed by the Government and that it remains likely that those with modest assets will still be required to contribute substantial sums towards the cost of care.

  Understandably, Local Authorities – facing extreme financial pressure – will be under pressure to recover funds from those who are able to pay.

  There are essentially two types of care need – health care and social care. The importance of the distinction is that health care (including nursing care) is the responsibility of the NHS and is free at the point of use, whilst social care - whether in your own home or in a Nursing Home - is the responsibility of the local authority and is means tested. Later Life decisions and resourcesErrors in defining which type of care an individual needs are the cause of most funding disputes and appeals.  

  The Care Commission specifically highlighted the need for those liable to fund care to have access to appropriate advice. This is such an important area to understand and plan for, whether for you or for loved ones who need your help. We take great interest in the application of the Care Bill and carry appropriate qualifications to give full and independent advice in this area.

  This article should be used for information purposes only and under no circumstances be used for guidance. You should always contact a Financial Adviser before making a financial decision.

  Remember, if a Financial Adviser cannot call themselves "Independent" - then they aren't Independent !

   

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  Pensions

  When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

  A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement. It requires action as soon as possible, so start now - and if you have already started, take the opportunity to have a closer look at your existing arrangements to make sure you are on track.

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  A PENSION IS A LONG TERM INVESTMENT, THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

  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.

• Wealth Management

  Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.

  Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.

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  TAX ADVICE IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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

  THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

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