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Personal
Your financial objectives, and my passion, to develop and maintain a lifetime's security
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 your needs at the heart of our advice. We understand that 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
- Would you want to be able to repay your mortgage and have excess capital if you had a heart attack or other serious illness?
- Would you like to pass on your assets debt free to your relatives in the event of your death?
- Would you like to be able to stop working indefinitely if you had cancer or another serious illness?
Protecting your income
- How will you manage to pay your bills if your income reduces or stops due to illness or accident?
- Would you like to be able to work part time or stop working as a result of the permanent effects of an illness or accident?
Mortgage protection & associated products
- How would you feel if you could not save enough for a house deposit or house move?
- How would your family cope if the mortgage debt was outstanding in the event of your serious illness or death?
- Would you like help in finding a suitable mortgage package? (Mortgage advice is carried out by a mortgage adviser within the Vision network)
Retirement & Tax Planning
- Do you have pension schemes from previous employment that you find difficult to understand or analyse how they are performing?
- How would you like to work 5 years longer than planned because your pension fund was not large enough ?
- How would you feel at retirement if the income you expected to receive was actually 25% less due to unexpected fund value reduction?
- How would you like to reduce the amount of income tax that you pay?
- How would you feel if an ex- spouse received your pension fund of life cover in the event of your death if your nominations were not up to date?
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?
Enterprise Investment Schemes
- Are you aware of alternative investment strategies and how they may be of benefit?
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?
Wills
- How would you feel if your estate was not given to the beneficiaries that you intended?