Investment & Tax Planning

JERROMS FINANCIAL PLANNING

Investment & Tax Planning

‘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.

Investments

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.

Inheritance Tax Planning

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.

Corporation Tax Planning

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.

Income Tax Planning

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.

Got a Question?

Ask us using the form below.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and members of staff.
Email communications are not secure and for this reason Jerroms Financial Planning Ltd cannot guarantee the security of the email, its content or remains virus free once sent.

For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please refer to our Privacy Policy.

Case Study

A client was referred to us by an accountant 3 years ago - he, his wife and daughter are GP’s with NHS and private earnings.

The accountant had advised them to set up a Ltd Company for the private earnings where substantial capital had accrued – however they were loathe to draw income because their earnings were already in excess of £100,000 resulting in a loss of the personal allowance.

By clever planning and using both employer and employee pension contributions, we were able to recover the personal allowance, fully utilise the carry forward of unused relief provisions and reduce the balance in the Ltd Company over the next 3 years.

The same client has a large inheritance tax liability. We have recommended a stockbroker manage his share portfolio from Blue Chip to AIM listed stocks to reduce the liability over 2 years.

FREE Initial Consultation

We offer an initial consultation free of charge which gives us the chance to meet and discuss your needs, with no obligation.

JERROMS FINANCIAL PLANNING

Financial Planning for Employers

Workplace Pensions

All employers have to provide pensions for their staff and many of our clients ask us to set this up on their behalf - to ensure the contributions are invested to maximise the returns and so that the staff appreciate the benefit.

We highly recommend making use of salary sacrifice which offers an incredibly tax-efficient way for the employee to make pension contributions, while the employer can also benefit from cost savings. If you already operate such schemes, it may be time to review your arrangements to ensure you are maximising the opportunity.

Keyperson and shareholder protection

These insurance policies insure against the loss – due to injury or death - of a key person or shareholder, and are a valuable investment to protect the business for the future.

It is not difficult to source an insurance policy, but the reason our clients come to us, and refer us to new clients, is the sound advice we offer, based on insightful research and years of experience.

Got a Question?

Ask us using the form below.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and members of staff.
Email communications are not secure and for this reason Jerroms Financial Planning Ltd cannot guarantee the security of the email, its content or remains virus free once sent.

For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please refer to our Privacy Policy.

JERROMS FINANCIAL PLANNING

Family Protection

Those with dependents who rely upon them financially should really consider the benefits of family protection insurance. This life insurance offers a lump-sum payment which will help those left behind to cover the cost of bills, mortgage payments and debts.

Policy benefits and terms can vary tremendously between insurance companies and we will always make sure our clients receive the policy that is right for them, and that they completely understand the terms of their insurance policy.

Case Study

At a recent client review meeting, the client disclosed he had been diagnosed with prostate cancer and was undergoing treatment.

We were able to highlight that he was covered for £100,000 critical illness cover. The £100,000 cover taken out some 7 years previous was paid out less than 2 months following the meeting. This payment has provided the client with the comfort of not having to worry about how the bills would be paid including a contribution to his son’s wedding day.

Got a Question?

Ask us using the form below.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and members of staff.
Email communications are not secure and for this reason Jerroms Financial Planning Ltd cannot guarantee the security of the email, its content or remains virus free once sent.

For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please refer to our Privacy Policy.

Get In Touch

Please get in touch if you want to talk more about how we can help you.
We offer an initial consultation free of charge which gives us the chance to meet and discuss your needs, with no obligation.

Financial Planning in Solihull

Lumaneri House, Blythe Gate, Blythe Valley Park, Solihull, B90 8AH

0121 693 7310

Reviews and Ratings for Financial adviser Gordon Symes, Birmingham

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK. Jerroms Financial Planning is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 300784. Registered in England and Wales under reference 4710626. Registered office address: Lumaneri House, Blythe Gate, Blythe Valley Park, Solihull, West Midlands B90 8AH.