• OUR PHILOSOPHY

    We believe that a sound financial plan should be based on
    a balanced personal money management programme.

    Personal money management helps solve problems arising
    from inflation, taxation and life's uncertainties.

    CASH RESERVES

    Money for immediate needs
    to meet an emergency or take
    advantage of an opportunity.

    INTEREST EARNINGS INVESTMENT

    Money invested where the main objective is
    interest with an emphasis on stability of the
    original capital.

    ADEQUATE PROTECTION

    Money available to replace the things you can’t
    afford to lose.

    EQUITY INVESTMENTS

    Money invested when the value and rate of
    return may provide opportunity for growth.

    TAX PLANNING

    Money that is managed in a tax efficient way

  • OUR AIM IS TO UNDERSTAND YOUR PERSONAL AND
    BUSINESS FINANCIAL CONCERNS

    CURRENT FINANCIAL POSITION

    Assessing your assets and liabilities

    Understanding your cash flow

    Building a cash reserve

    Maintaining your cash reserve for unanticipated events

    Cash Management service to obtain a high rate of interest

    RETIREMENT PLANNING

    Ensuring an adequate retirement income

    Projecting the impact of an earlier or later retirement age

    Pursuing hobbies, interests and travel

    Buying a retirement home

    Understanding your retirement
    benefits from:
    – State pension schemes
    – Occupational pension schemes
    – Personal pension schemes
    – Personal investments
    – Unlocking capital in your home

    Regular Investment reviews Managing future capital:
    – Pension lump sums
    – Inheritances

    INVESTMENT PLANNING

    Saving with a specific objective in mind:
    – Buying a house or second home
    – Establishing a business
    – Building an investment portfolio

    Providing for your children:
    – School fees
    – University Costs

    Manage existing capital in your personal name, pension( including occupational pension schemes) or in a trust:
    – Balancing your investments
    – Maximising the return on your
       savings
    – Minimising the impact of inflation
    – Preserving capital
    – Providing an income

    Investing your capital in risk rated portfolios:
    – Passive portfolios
    – Active portfolios

    Investing your capital in proactive portfolios:
    – Discretionary Fund Managers
    – Multi Manager Funds

    Regular Investment reviews

    LOAN PLANNING

    We do not arrange or advise on mortgages, however we have a number of strategic partners to whom we can introduce you, depending on your facility requirements.

  • BY UNDERSTANDING YOUR ATTITUDE AND PRIORITIES,
    WE CAN DEVELOP A PERSONAL PLAN OF ACTION

    PROTECTION PLANNING

    Having the right amount and type of cover in the event of a:
    – Disability or illness
    – Premature death

    Protecting your ability to meet savings/education objectives

    Planning for business continuation

    Protecting your personal assets (property)

    Understanding your current and State benefits

    Providing for adequate health and nursing care

    Protecting your key employees

    Providing staff benefits

    TAX PLANNING

    Minimising your taxes:
    – Income tax
    – Capital Gains tax
    – Corporation tax

    Using tax-efficient investments

    Analysing independent taxation strategies

    Preparing tax strategies for business owners

    INHERITANCE PLANNING

    Preserving your family’s wealth

    Reducing Inheritance taxes

    Lifetime gifting

    Trust strategies

    Charitable giving

    Planning for the smooth transfer of:
    – Personal assets
    – Business assets

    FACTORS TO CONSIDER

    Stability of capital/income

    Rate of Return

    Diversification

    Accessibility

    Tax efficiency

    Growth potential (hedging inflation)

    Flexibility

    Attitude to risk

    Asset Allocation

    Investment objectives

    Professional review

  • WEALTH & TAX PLANNING WHEEL


    Planning Wheel
    Business Planning | Personal Planning
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