Pensions and retirement
Pensions are one of the most tax efficient ways to save and invest but the rules surrounding them are complicated. We can remove this complexity, make pensions easy to understand and help you invest in pensions that will work hard for you.
Do you want to know how much you should be paying into your pension? Are you unsure how to get your money out? Would you like to know how much income your pension could give you?
We can conduct an analysis of your existing pensions and help you put a plan together for your future. Whether you are still working and looking to stop, or if you have already retired, retirement planning is crucial to ensure you can achieve financial freedom.
We help you:
- Understand how much you can put into your pension
- Carry out lifetime allowance planning
- Review existing pensions to establish whether these are suitable and how they should be invested
- Make sure you choose the most tax efficient way to access your pension.
Please note: tax planning is not regulated by the FCA
Savings and investments
Without professional financial planning, wealth creation can quickly turn into wealth destruction. Having a solid investment strategy is a crucial part of any successful financial plan. We can help you to devise an investment strategy and create a recommendation tailored to your objectives and personal circumstances.
Whether you’ve sold your business, want to plan for your children’s education or have received an inheritance, we are here to help you take the next steps.
Investments we advise on:
- ISA’s and JISA’s
- Unit trusts & OEICs
Discretionary Fund Management
- Onshore & Offshore Investment Bonds
Please note: the value of investments can fall as well as rise and you may not get back the amount originally invested
Protection
Don’t let a lack of insurance be the cause of agony for your family. The future is uncertain, and protection is key to protecting yourself and your family in the face of unforeseen tragedy. We can advise you on which policies you need, so you can keep yourself and your family safe.
We give you advice on:
Life insurance
Income protection
Business insurance
Critical illness cover
Inheritance tax planning
Without the right estate planning, HMRC, rather than your family, could become the largest beneficiary of your estate. Professional estate planning helps ensure your family inherit as much of your wealth as possible.
We typically use a combination of strategies to give you peace of mind that your family are provided for when you are no longer here.
- Ensuring your wills are correctly drafted
- Life insurance
- Restructuring how you take an income to minimise your inheritance tax liability
- Gifting during your lifetime
Trust planning
Please note: tax planning is not regulated by the FCA
“Dale was able to look in detail, at the range of options, and advised on a time scale for implementing some of the options; even sending me a link to check out my State pension. Certainly, I will be recommending Dale to friends and colleagues” Amanda Adams September 2021
“Dale made us both comfortable when he discussed the various financial planning for our Savings & Pension monies. We have contacted Dale for further financial advice since then as we both felt Dale would explain parts of our policy that needed addressing going forward, with no obligation Dale rested our fears & this made our next step easier to plan” Robert F September 2021
