Pensions
We can help you to save towards the most important holiday of your life: the one that begins when you eventually come home from work for the last time.
However, a pension isn’t static. It needs maintaining so that it continues to work hard for you. Did you know that your pension savings are invested onward into funds? In any given decade, some funds are doing better than others, and we can look inside your pension, see where your money is invested, and switch your savings into better performing funds, so that your retirement fund is growing as efficiently as it can.
Past performance is not a reliable indicator of future performance. A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Savings and Investments
An emergency fund is important, but having too much money held as cash can reduced returns and ultimately effect your future plans. We can help you get the balance right, so your savings form part of a comprehensive overall financial plan aligned to your financial future.
Protection
There are various kinds of insurance, from life insurance to critical illness insurance to income protection – all designed for other specific and important situations that could occur.
We can advise what’s right for you and your budget so that your children and loved ones are financially secure, whatever may happen.
Cover will cease on insurance products if premium payments are not maintained.
Inheritance Tax Planning
Inheritance Tax or ‘IHT’ is often called the most avoidable tax of all. With a little forward planning, and with our help, you can ensure that the transfer of your estate to your family happens in the most tax-efficient manner.
