SERVICES

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We provide protection for individuals and companies, whether straightforward family life insurance or key man employer insurance please be invited to discuss further how we can assist.

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Investment and pension work are the most common type of service that our clients require assistance with.  We work with all types of regulated investment and all types of pension contracts.

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Inheritance tax mitigation is a growing area of work, as more of us fall within the scope of the taxable band. There are several measures that can be used.

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Equity release does have a place for some clients and we ensure that our clients are informed, reassured and confident of what these truly involve with both advantages and disadvantages of each type of product available to them.  We work to protect our clients first so if it is not right for them, we shall highlight that as a priority.

We research, setup and manage workplace pensions and all of the associated benefits for all types of employer

We enjoy working with clients to create your lifetime and testacy trusts to pass the wealth to the next generation.  We work with all types of trust cases.

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We ensure that the right ingredients are used by the right people, using the right tools, in the right order, at the right time, to obtain the best chance of the right outcome and furthermore, we indemnify the whole process.

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Once we have established your circumstances and needs, we will research and develop a financial plan and implement the ongoing wealth management of your portfolio to fulfil your objectives.

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​​All manner of ingredients come into the initial tranche of work, be it your family position, your age, health, ethical wishes.  This work may take between 1 and 6 months to complete (depending on your current providers' service levels).  If you have no current provider and hold only cash deposits ready for investment, the turnaround time would be 3 weeks.

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​Once we have positioned your old policies to suit your objectives, we can move on to ongoing services to step 6 of the process; to effectively monitor ongoing progress & review.

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All of our clients benefit from long term portfolio management.  They don't need to worry whether their allowances are being used, or switches that need to be considered.  That work is covered by the ongoing fees as no extra charges apply.

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Withdrawals:  You may wish income or capital to be phased, lump sums withdrawn as one whole, staggered, mixtures or a simple, regular income.  Whichever you require, we choose the correct unit type to surrender, what proportion and sell those units to realise the cash for BACS payment to your bank with any tax consequences in mind.

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Defined Benefit pension work - These contracts are often referred to as 'Gold Plated' and contain safeguarded benefits.  We are able to offer a fixed fee service to breakdown the benefits and disadvantages of your scheme pension for you, so you can plan and protect your family's future accordingly  See our Fees page for prices.

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