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Personal Finances
Please select your area of personal finance below
Investments
You may wish to start a new investment or review your existing arrangements. You may wish to utilise your ISA allowance, invest offshore, or just help the investment maintain your standard of living. You may wish to reduce your income tax liability or capital gains tax liability. You may even have paid income tax and wish to reduce it or even reclaim some of the capital gains tax that you have already paid. For further information just click here to contact me.
The FSA does not regulate Inheritance Tax Planning
Pensions
You may already have pensions that you have built up over your career or you wish to start one up and make use of the benefit of tax relief along with tax efficient growth. They can start from the day you are born and outlive you. The recent changes in legislation will have a far reaching affect so planning now can make your retirement that much more enjoyable. For further information just click here to contact me.
Retirement Options
You may now be at the stage where you need to take your benefits from your pension. With so many options available to you what one will be the best for your circumstances? What ever decision is made it could affect your options for decades to come. For further information just click here to contact me.
Inheritance Tax
You may be one of the many estates that have the luxury of paying this “voluntary tax”. Why voluntary? Well with good financial planning your executors may well not need to pay a penny of it. You may find it far better than paying the tax due and having your executors finding funding to pay the inheritance tax due before they can utilise any of your assets to pay for it. For further information just click here to contact me.
The FSA does not regulate Inheritance Tax Planning
The FSA does not regulate Inheritance Tax Planning
Long-Term Care
You may require this for yourself or more often you will need this to pay the fees for a loved one. The cost of long-term care fees can erode a very large part of your estate that you have worked all your life to build up. This can stop your cash and even your home being passed on to your children or grandchildren. For further information just click here to contact me.
Family Security
You may be employed or self-employed and while you are able to work then the bills continue to be paid. You may already have some life assurance, when did you last consider if it is the best type for you? When the money stops coming in whether due to death or sickness what will the reality be for the loved ones that have either been left behind or have to support you until you get to your retirement? For further information just click here to contact me.
Children or Grandchildren
You may wish to just give them an extra start in life. Possibly through their education, a home for them when they grow up and leave home or even start saving for their pension. For further information just click here to contact me.
Tax Liability
You may know exactly how many different taxes are payable in the UK. You will then also know that you can possibly reduce or claim back some or all of the tax that you have already paid or the tax that you are due to pay in the future. You may wish to minimise Income tax, Inheritance Tax, Corporation Tax, Capital Gains Tax, Inheritance tax or even Age allowance Tax.
The FSA does not regulate Tax Planning.
The FSA does not regulate Tax Planning.
Mortgage
You home is your castle. Your mortgage will be one of the biggest financial decisions of your life. With so many options out there what one is best for you? Would you want to reduce your monthly payments or how long you have to pay your mortgage for? For further information just click here to contact me.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £400. The FSA does not regulate some forms of Mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £400. The FSA does not regulate some forms of Mortgages.