‘The only source of knowledge is experience’. Said by none other than Albert Einstein!
And we’re certainly experienced – we’ve been Independent Financial Advisers since 2000 and have worked in the financial services sector since 1987.
There is no substitute for experience – it means we ask the right questions, challenge our clients on what they think they want, offer effective investment and tax-saving advice, agree clear objectives and benchmarks, recommend excellent products and competitive charges, and continuously monitor performance.
More and more of our clients have been turning to us for sound financial advice on investing in different ways, fed up of the poor interest rates on savings accounts and Cash ISAs.
We recommend a range of different investment products – some of which people have never even heard of – and will advise on the best variety of investment tools once we understand our client’s financial circumstances and requirements.
This can include stocks and shares ISAs, Investment Bonds, Unit Trusts and OEICs, Enterprise Investment Schemes and Venture Capital Trusts.
With inheritance tax set at 40% over a certain threshold, individuals are keen to maximise the amount they pass down to the next generation, rather than giving it to the Government.
We have a wealth of experience in minimising the inheritance tax burden which can be done via the right kinds of pensions and trusts or through more specific schemes such as Enterprise Investment, Entrepreneurs’ Relief or Business Relief Schemes.
We work extremely closely with our clients to achieve the right balance between providing for the next generation and making sure the individual’s own financial requirements, both short- and long-term, are addressed.
For those of our clients that run their own business, we also advise on how best to reduce corporation tax through paying pension contributions. The amount invested and the type of scheme will depend on factors such as the age and health of our client, as well as their objectives.
As with all our advice, no solutions are offered until we have a full understanding of our client’s circumstances and requirements.
Tax relief is available on pension contributions, meaning that some of your money that would have gone to the Government goes into your pension instead. Once we understand your financial situation, we can advise on the optimum amount to invest and the relevant investment funds for you, taking into account the annual and lifetime allowance tax relief limits.