Pensions and Retirement Planning

For the retirement you deserve

As life expectancy increases, it's crucial to plan for the potential increase in expenses during retirement. Maximizing your pension income can help ensure that you meet your retirement goals.

Navigating the complex world of pensions can be overwhelming, but our independent advisors can help clarify options and identify tax-efficient strategies. It starts by evaluating how much money you'll need to live on and assessing whether your current savings are sufficient. Our investment team can assist in making informed investment decisions and maximizing your income.

There are now various options for drawing pension income beyond traditional annuities, and our advisers can guide you towards the most tax-efficient options.

Investment Advice for you and your Family

Building your children’s financial foundations

Our advisers are independent, qualified, and experienced. They are not obligated to recommend specific products, providing you with a wide range of opportunities to not only preserve but also grow your wealth.

Our in-house discretionary investment service enables us to take quick action to ensure your investments are secure and continue to grow. Planning for the next generation is important for various reasons, such as funding education or a first home.

Our advisers can help you explore various savings options and guide you through the process that best fits your needs, whether you need funds sooner or later and how much control you want over your investments.

Inheritance Tax & Estate Planning

Enabling your money to go to whom you choose

Inheritance Tax (IHT) is a complex and ever-changing area of finance that is increasingly affecting more people as property prices rise.

There are several strategies for reducing your liability, such as making gifts, investing in assets that are exempt from IHT, and using trusts, but finding the right approach requires professional guidance. With IHT currently set at 40% above the nil rate band, the earlier you start planning your estate, the more money you can leave to your beneficiaries.

By using cashflow modeling, we can evaluate how much money you will need in later life and identify opportunities to release assets to mitigate IHT, while also considering your desired level of control. These are a few reasons why estate planning is an essential component of overall financial planning.

Protection for Your Loved Ones

Security for whatever life brings

While it's not pleasant to contemplate worst-case scenarios, it's important to have a financial safety net in place to protect your loved ones. This may include life protection, income protection, and/or critical illness coverage, all of which are often underestimated in terms of the level of coverage required.

Though protection coverage is something that is often purchased and then forgotten, regular reviews are necessary to consider any changes in personal circumstances, such as divorce, starting a new business, paying off a mortgage, or changes in health.

Our team of specialists across the group are highly experienced and have strong relationships with a wide range of providers. As we are independent and not tied to specific products, we can recommend what is most suitable for your and your family's circumstances, leaving you with the peace of mind that your loved ones will be taken care of financially in case of the worst.

Tax planning

Don’t pay more tax than you need to

Designing an investment plan that maximizes tax savings can be complex but can bring significant benefits. Our independent investment team, in collaboration with our advisers, can help you find the right mix of investments while making the most of all available tax allowances to achieve your financial goals. This can include:

  • ISAs (Individual Savings Accounts)
  • Pension Savings
  • Venture Capital Trusts (VCTs)
  • Enterprise Investment Schemes (EISs)
  • Lifetime ISAs (LISA)
  • Utilizing Capital Gains Tax Exemptions

We can also assist with tax-efficient retirement planning, whether you are still saving or have already begun drawing an income.

Mortgage desk

Get the keys to your future with our mortgage solutions

Whether you’re a first-time homebuyer, moving to a new property, or looking to refinance your existing mortgage, our team of experienced and qualified mortgage brokers is here to provide expert guidance and support throughout the entire process. With access to a wide range of lenders and mortgage products, we are committed to finding the best mortgage solution for you, so you can achieve your dream of homeownership with confidence. Our services include:

  • Residential
  • Buy to Let
  • Equity
  • Release
  • Protection

Get in contact, our dedicated team is on hand to provide holistic solutions.