Private client services
We offer a complete financial planning service to individuals, families and trusts. This can encompass all or any aspect of your finances. The main areas on which we can offer advice include :-
- Investments :
- Tax efficient investments
- Bespoke collective portfolios
- Individual Savings Accounts (ISAs)
- PEPs and TESSAs
- Investments bonds and unit trusts
- Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs)
- Specialist property investments
- Capital Protected and Structured investments
- National Savings
- Purchase Life Annuities
- Investment monitoring and reviews
- Pension planning :
- Stakeholder and personal pension
- Self Invested Personal Pension (SIPP)
- Small Self Administered Pension Schemes (SSAS)
- Investment of pension funds (including reviews)
- Lifestyle investment strategies
- Review of final salary benefits
- Retirement planning
- Income planning including tax efficient income
- Unsecured Income (drawdown)
- Phased retirement
- Maximising tax free lump sums
- Annuity purchase
- Conventional annuity
- Enhanced / impaired annuity
- With profit annuity
- Unit linked and specialist annuity
- Income deferral advice
- Estate preservation and wealth management
- Life insurance for Inheritance Tax (IHT) protection
- Wills, Trust and Power of Attorney advice
- IHT efficient investments
- AIM share portfolios
- Investment bonds with specialist trusts
- Gift advice
- Personal and family protection
- Life assurance
- Mortgage loan protection
- Family Income benefit
- Critical Illness cover
- Permanent Health Insurance (PHI) or income protection
- Mortgage payment protection
- Accident, Sickness and Unemployment cover (ASU)
- Personal finance advice
- Preparation of general financial plans
- Advice on divorce, including pension sharing etc.
Corporate client services
We offer a complete financial planning service to companies and other business entities. This can encompass all or any aspect of your business and personal finances. The main areas on which we can offer advice include :-
- Business and pension planning
- Directors pension advice
- Small Self Administered Pension Schemes (SSAS)
- Self Invested Personal Pension (SIPP)
- Investment of pension funds (including reviews)
- Corporate investment advice
- Commercial mortgages
- Corporate banking advice
- Business re-financing
- Business protection
- Keyperson assurance
- Shareholder and partnership protection
- Critical illness cover
- Permanent Health Insurance (PHI) or income protection
- Private Medical Insurance
- Employee Benefits
- Staff financial surgeries
- Advice on existing pension schemes
- Group pension schemes
- Group Stakeholder (GSHP)
- Group Personal Pension (GPP)
- Group Self Invested Pension (SIPP)
- Group Life insurance and Critical Illness
- Group PHI and PMI
