OUR PHILOSOPHY
We believe that a sound financial plan should be based on
a balanced personal money management programme.
Personal money management helps solve problems arising
from inflation, taxation and life's uncertainties.
CASH RESERVES
Money for immediate needs
to meet an emergency or take
advantage of an opportunity.
INTEREST EARNINGS INVESTMENT
Money invested where the main objective is
interest with an emphasis on stability of the
original capital.
ADEQUATE PROTECTION
Money available to replace the things you can’t
afford to lose.
EQUITY INVESTMENTS
Money invested when the value and rate of
return may provide opportunity for growth.
TAX PLANNING
Money that is managed in a tax efficient way
OUR AIM IS TO UNDERSTAND YOUR PERSONAL AND
BUSINESS FINANCIAL CONCERNS
CURRENT FINANCIAL POSITION
Assessing your assets and liabilities
Understanding your cash flow
Building a cash reserve
Maintaining your cash reserve for unanticipated events
Cash Management service to obtain a high rate of interest
RETIREMENT PLANNING
Ensuring an adequate retirement income
Projecting the impact of an earlier or later retirement age
Pursuing hobbies, interests and travel
Buying a retirement home
Understanding your retirement
benefits from:
– State pension schemes
– Occupational pension schemes
– Personal pension schemes
– Personal investments
– Unlocking capital in your home
Regular Investment reviews Managing future capital:
– Pension lump sums
– Inheritances
INVESTMENT PLANNING
Saving with a specific objective in mind:
– Buying a house or second home
– Establishing a business
– Building an investment portfolio
Providing for your children:
– School fees
– University Costs
Manage existing capital in your personal name, pension( including occupational pension schemes) or in a trust:
– Balancing your investments
– Maximising the return on your
savings
– Minimising the impact of inflation
– Preserving capital
– Providing an income
Investing your capital in risk rated portfolios:
– Passive portfolios
– Active portfolios
Investing your capital in proactive portfolios:
– Discretionary Fund Managers
– Multi Manager Funds
Regular Investment reviews
LOAN PLANNING
We do not arrange or advise on mortgages, however we have a number of strategic partners to whom we can introduce you, depending on your facility requirements.
BY UNDERSTANDING YOUR ATTITUDE AND PRIORITIES,
WE CAN DEVELOP A PERSONAL PLAN OF ACTION
PROTECTION PLANNING
Having the right amount and type of cover in the event of a:
– Disability or illness
– Premature death
Protecting your ability to meet savings/education objectives
Planning for business continuation
Protecting your personal assets (property)
Understanding your current and State benefits
Providing for adequate health and nursing care
Protecting your key employees
Providing staff benefits
TAX PLANNING
Minimising your taxes:
– Income tax
– Capital Gains tax
– Corporation tax
Using tax-efficient investments
Analysing independent taxation strategies
Preparing tax strategies for business owners
INHERITANCE PLANNING
Preserving your family’s wealth
Reducing Inheritance taxes
Lifetime gifting
Trust strategies
Charitable giving
Planning for the smooth transfer of:
– Personal assets
– Business assets
FACTORS TO CONSIDER
Stability of capital/income
Rate of Return
Diversification
Accessibility
Tax efficiency
Growth potential (hedging inflation)
Flexibility
Attitude to risk
Asset Allocation
Investment objectives
Professional review