What we do

We provide comprehensive independent financial advice in the following areas:

PERSONAL FINANCIAL PLANNING

Estate Planning and Inheritance Tax Planning* - With a rate of 40% tax on estates above the allowance, which for the tax year 20010/11 is  £325,000 (Note that with the allowance for spouses and civil partners transferable this may be double).  In conjunction with legal experts we can not only asses your potential tax liability but show you ways to reduce it. Click here for a Guide

Pensions AND Retirement - Whether it is the matter of funding your personal or company pension, reviewing current and/or previous pension holdings or looking at your options when you are able to start taking the money out (RETIREMENT) we are your 'one stop shop' for the advice you need to ensure you objectively asses the risks, costs, taxation, benefits and other factors to make the right choices. Click here for a Guide & Click here for an Annuity Fact Sheet.

Protection Planning - Providing for the unexpected whether it be the risk of poor health or even death we can help you assess your needs and deliver a solution to match. Remember that we provide this from the WHOLE MARKET and so ensure you get the best plan/s. Click here for a Guide

Personal Investment Planning - Whether it is a NEW investment or a review of EXISTING investments WE CAN HELP: With products such as ISAs, Investment Bonds, OEICS, Unit Trusts, Venture Capital Trusts together with tens of thousands of investment funds available across the investment risk spectrum you will be glad to hear that help is at hand. Providing a solution which considers your risk profile, tax position, overall investment portfolio and of course your savings objectives is quite simply what we do. Naturally, we aim to review this with you as time passes to cater for any changes and ensure your aims are achieved. Click here for an Investment Guide & Click here for an ISA Guide

BUSINESS FINANCIAL PLANNING

Company Pensions - Whether it is the establishment or review of an employee arrangement, Directors pension planning or Key Employee pensions we are positioned to deliver the advice you need. With massive changes in legislation in this area both in recent years and the coming years the need for advice is essential, not least to avoid potential litigation but also to extract the maximum value from such arrangements for those involved. Click here for a Work Based Pension Fact Sheet

Business Protection - The risk of death or serious illness to shareholder or key employee is potentially catastrophic to a business. We help provide an assessment of these risks to ensure that a business can survive such situations moving forward. Click here for a fact sheet

GENERAL TAX PLANNING*

We can, with our associate tax experts, help potentially mitigate your liability to ALL forms of taxation. Whether it is INCOME TAX, CAPITAL GAINS TAX, CORPORATION TAX, NATIONAL INSURANCE or INHERITANCE TAX we can provide a review to see if you may be paying too much.

* The FSA do not regulate tax advice