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Family
Focused financial expertise for your family, its changing needs and future plans
We are passionate about undertaking a full Financial Planning service with you, which will review your existing position and your future objectives, and will put you and your family’s needs at the heart of our advice. We understand that every family unit is different, and therefore only by in depth questioning and analysis will we ensure that we can highlight any areas of planning you may not have given thought to. This will lead to areas that you will want to address immediately, or need to prioritise. We will conduct an independent and whole of market analysis, followed by a full written report ensuring that the most appropriate solutions are found for you.
Protection- life & critical illness cover
- How would your family cope financially, if you had died yesterday?
- Would you want your family to be able to repay your mortgage and have excess capital if you had a heart attack or other serious illness, or died?
- How would your family be able to pay for school or university fees, house deposits or weddings in the event of your death or serious illness?
Protecting your income
- How will your family manage to pay the bills if your income reduces or stops due to illness or accident?
- Would you like to be able to stop working if you had cancer or another serious illness?
- How would your family expenditure be met by state assistance and benefits in the event of your having an illness?
Tax Planning and Trusts
- How would you like to reduce or eliminate income tax or capital gains tax?
- How will your beneficiaries pay any inheritance tax due?
- How would you feel if your capital or savings did not get to the right person at the right time?
Savings & Investments
- How are you going to achieve future objectives or purchases without a workable savings strategy?
- Are you paying unnecessary income tax and capital gains tax on your savings and investments?
- How would you feel if the value of your savings or investments dropped further than anticipated?
Inheritance Tax Planning
(The Financial Conduct Authority (FCA) do not regulate Inheritance Tax Planning, Tax and Trusts)
- How would you like to reduce or eliminate inheritance tax?
- How would you feel if more inheritance tax was paid than your beneficiaries actually received?
Wills
- How would your family cope if your bank account and assets were frozen due to not having a valid Will in place?
- How would you feel if your widow remarried resulting in your children not inheriting any assets or capital?