The first step to working with us will be to arrange a preliminary meeting. We can come to you or we can arrange an appointment in our offices in Anstey near Leicester. The purpose of the first meeting is to establish whether we are able to help you with your needs and objectives.
There is no charge for our preliminary meeting and no obligation.
After this initial free consultation we will outline our fees to you before any further work is carried out.
Investments can play a significant part in planning towards key milestones in your life, whether they be paying for education costs, future property purchases, additional funds for retirement, providing a legacy for your loved ones or something that’s more personal to you.
With so many different options in the marketplace, our expertise and independent status allows us to make the appropriate recommendations and ensure they link back to your goals. The solutions we recommend could be finding ways to grow your money, to provide you with an additional income, or a combination of both. It is important to understand that all investments (even cash in the bank) will carry some form of risk. Our ethos is to understand you, appreciate your preferences on risk and give you enough information to help you make an informed choice. An important part of this step is to also consider tax efficiency and how this ties back to your tax position today as well as in the future.
Should it be an existing portfolio of investments that you would like us to review, or you are taking your first steps into the world of investing, our knowledge, expertise and experience will help you to make the most from your money.
Over recent years the government has introduced changes in the way that you can build up and spend your pension fund.
What this means to you is that there are many more options, more freedom but also far more decisions to make. We understand that for some this can be daunting and you may be worried about making the wrong choices. We believe that choice is a good thing, as long as you make the right one... we will be here to make sure that happens.
Whether you are looking to make provision for the future or already have existing personal, company or complex schemes we will be able to assess and recommend the right solutions for you.
INHERITANCE TAX PLANNING
We understand that you have worked hard throughout your whole life and it may be important to you that your loved ones benefit from the wealth you have accumulated. With the right planning and advice, you may be able to reduce / eliminate the amount of Inheritance tax payable on your estate, but more importantly leaving a legacy for those who matter to you the most.
Everyone has a personal threshold of £325,000 and there can be many different allowances and reliefs that may apply to increase this. When you die, tax can then be levied at up to 40% on assets over and above your personal threshold and this will need to be settled by your personal representatives. The various limits, reliefs and allowances can appear confusing, but as qualified advisers we can establish what applies to you, but more importantly then provide the best solutions to meet your needs.
ADVICE TO BUSINESS OWNERS
With the ever-changing landscape of tax rules, business’s often find it hard to navigate through the minefield of managing their finances, to ensure ongoing liquidity and to take advantage of available tax savings. The way this should be structured for business owners is a speciality in itself, with tax efficiency being key. A multi-disciplined approach is required to extract company profits tax efficiently and make use of allowable exemptions and reliefs.
Equally, the preparation for and process of selling a business can create a multitude of taxation headaches such as income tax, capital gains tax and inheritance tax liabilities. Careful consideration needs to be given to thorough financial planning both whilst trading and/or preparing for the sale of a business.
We have extensive experience of working in conjunction with accountants and solicitors to utilise appropriate financial products and services. This could be in the form of pensions, business protection, IHT planning or through savings and investments, to manage or mitigate these issues.
Often, business owners separate their personal objectives from their business objectives, but by aligning them, we can ensure they benefit you, your business and your family.
The Financial Conduct Authority does not regulate taxation and trust advice.
We understand that for many people, thinking about death, illness and insurance is neither pleasant, or at the forefront of their minds. However, if you have financial aims and aspirations such as paying for children’s education costs, moving to a bigger home or planning a comfortable retirement it is important to consider the challenges that could get in the way.
There are many ways that you can protect yourself and your family, and there is usually a solution to meet most circumstances and budgets. Remember that it is you, your health and your income that will allow you to lead the life that you want and will underpin all of your own financial goals.
If you are looking to buy your first home, raise additional funds, re-mortgage for a better deal or buy to let we can source from a comprehensive range of mortgages from the marketplace.
To help us with this we subscribe to an online mortgage research tool - Mortgage Sourcing™, one of the most widely trusted mortgage research services that gives us comparative data on all available mortgages. Using this information, we can help tailor the best solution to meet your needs.
A fee may be payable, the amount which will be deducted at the first meeting. Typically this will be £295 but may be more or less depending on the complexity of the loan and time spent. This will be discussed and agreed with your adviser before any action.
IMPORTANT THINGS TO CONSIDER
When you take out an investment product your capital is at risk. The value of your investment or pension can fall as well as rise and you may get back less than you have put in.
Your home may be repossessed if you do not keep up repayments on your mortgage.
All references to taxation are to UK taxation and are based on our understanding of current legislation and HM Revenue and Customs practice which may change in the future.
Some areas of Inheritance Tax (IHT) planning are not regulated by the Financial Conduct Authority.