OUR SERVICES. WHAT WE DO

• 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.

Pages