SAVINGS & INVESTMENTS

ISAs (Individual Savings Accounts)

ISAs are one of the most popular and tax efficient ways to save and invest for the future. The ISA allowance for 2018/19 is £20,000.

Investment Bonds

Investment Bonds are long term investment products which offer investors a flexible solution to income, capital growth and tax planning needs by providing
access to a wide range of different asset classes, as well as range of benefits designed for simplicity and tax efficiency.

JISAs (Junior Individual Savings Accounts)

Junior ISAs can help give youngsters a head start and an introduction to the importance of saving and are long term tax free savings accounts for children.
Junior ISA investing can ensure they have a good education, open up opportunities and help them get established when they grow up.

Unit Trusts

Unit Trusts accommodate the tax advantages extended by ISAs, providing the opportunity to benefit from a stock market investment without further liability to income tax or Capital Gains Tax.

Offshore Investments

Offshore Investments are suitable for investors where a parent has provided capital to a minor, or for those who can expect their marginal rate of tax to fall. They are also of benefit to investors entitled to an age related allowance or Expats investing while non resident.

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Retirement Planning

NEARING RETIREMENT

In retirement your income from employment or self-employment may be replaced by an income from your pension. Currently this can be done by using your pension fund to purchase an annuity securing you an income for life, no matter how long you live.

Alternatively, Drawdown allows you to take an income from your retirement fund rather than buying an annuity.

In fact, since April 2015 Individuals now have full access to defined Contribution (DC) pensions from age 55, with unrestricted income available, subject to their marginal rate of income tax. It is still possible to take up to 25% of the pension as tax free cash

A pension can be passed to anyone after death, not just a dependent. Income taken from the pension by beneficiaries will be tax free if death is before age 75 and at the beneficiary’s marginal rate if death is post 75.

Retirement

Whether early career, late career, pre or post retirement, it is important to receive expert and professional advice on your pensions and requirements.
Whether you are looking to set up new or review existing pensions for you or your employees, we can advise you how best to make the most of your retirment opportunities.

Self Invested Pension Plan

Self Invested Pension Plans (SIPPs) give a much greater range of investment options than those available through most traditional pension plans. Investment is allowed in a number of assets and asset classes including equities, unit trusts, gilts and commercial property.

Planning Your Retirement

Helping clients plan for retirement is a key area of our business. We work closely with you to identify those things that are important to you. Working with providers from the whole of the retirement market place, we offer the following range of products:

  • Self Invested Personal Pensions (SIPPs)
  • Trustee Schemes
  • Personal & Group Pensions
  • Drawdown Plans
  • Annuities
estate planning

Self Employed

Being self employed means that you cannot join occupational pension schemes, although you will still receive State Pension. This means that it is essential to make plans for contributing to an individual arrangement in order to receive an income that gives you security in your retirement.

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PROTECTION

Life Cover

Life Cover is designed to help financially protect the life assured and their family. It pays out the amount of cover on death or diagnosis of a terminal illness

Relevant Life Cover

Relevant Life Cover is a life insurance plan available to employers to provide an individual death in service benefit for an employee and is a very cost effective way of providing life cover

Key Person, Loan & Shareholder Protection

Business Protection helps client owned businesses to continue to trade should a key person or business owner die or become critically ill. Proceeds
from the policy could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner’s/ director’s estate are purchased.

Mortgage Protection

Mortgage life insurance pays out a lump sum which is sufficiently large to pay off the outstanding debt if you die before the end of the mortgage term.

Income Protection

Income Protection Cover provides a regular monthly benefit if the life assured is unable to work due to incapacity caused by illness or disability

Relevant Life Cover

Relevant Life Cover is a life insurance plan available to employers to provide an individual death in service benefit for an employee and is a very cost effective way of providing life cover

Critical Illness cover

Critical Illness Cover pays out a chosen amount of cover if the client is diagnosed with a specified critical illness condition during the term of the policy.

Whole of Life Cover

Whole of Life Cover is designed to pay out a lump sum when the life assured dies for Family Protection needs

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ESTATE PLANNING

We work closely with local solicitors to offer inheritance tax solutions, trust and estate administration and also the drafting of wills and Lasting Power of Attorney forms

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