Investments

You may have a need to consider investment, whether this is in the form of a lump sum or regular savings.
With a lump sum investment, you may have a need to achieve capital growth, take an income or even invest for a set goal. Regular savings will help towards building a savings plan, whether it be for a house deposit, special event or even education fees.
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Saving for Retirement

It is important to understand the benefits of saving for retirement. Ensuring that you maintain a good standard of living is important and this can be achieved by saving for retirement. Contributing to a pension scheme, whether this is through your employer’s workplace pension scheme or a personal pension scheme can help towards meeting this objective.
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Retirement Planning

Clients are often in need of advice in relation to planning for retirement. Questions are often asked around how much income one may need when they retire, what is a good pension fund size? How long will my pension last? And what happens to my pension funds in the event of death?
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Options in Retirement

Often, it is not clear as to what options are available in retirement. Pension Freedom has changed the nature of the pension industry providing clients with greater choice in deciding how best to take their pensionable income when they decide to retire. Few of these options may include; Annuities, Flexi-Access Drawdown, UFPLS, taking lump sums, or even cashing in the entire fund.
All of the different options in retirement come with different benefits and drawbacks and it is crucial to obtain the right advice in relation to your options in retirement.
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Estate Planning

Estate planning can be very important to some, this can be in the form a Will, being a legal binding document, which can help identify who should inherit one’s estate. A Power of Attorney which can allow you to appoint one or more persons to help you or, to make decisions on your behalf giving you complete control over what can happen to you in the event of an accident or diagnosis of an illness where you are unable to make your own decisions.
Inheritance Tax Planning is also a key element to Estate Planning. In the UK, tax is levied on property and money which has been acquired in the form of gift or inheritance. With any financial plan, it is important to understand the implications this can have on Inheritance tax.
Long term Care has become a rising concern over the years, where you or someone you know may not be able to care for themselves for long periods. Planning for situations arising like this can be important and a key element to estate planning.
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Life Insurance

Protecting yourself for any unforeseen circumstances can be important to not only you, but your family and loved one’s too.
You may have a need to protect your mortgage in the event of death, leave behind a death benefit for your family/financial dependents or even protect yourself against diagnosis of a critical illness.
In some instances, you may want to consider income protection to protect your income needs in the event of being unable to work due to illness or injury. This can be designed to pay you a regular income which can help support your family and maintain a reasonable standard of living in the event of any unforeseen circumstances.
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General Insurance

This can include Buildings and Contents Insurance for your property/properties, landlord cover or even Private Medical Insurance.
Private Medical Insurance is a policy you may want to take out to cover the costs of medical care. This may be for different reasons such as shorter waiting times, quicker diagnosis and access to better facilities such as a private room during treatments. This will cover you for the costs of receiving medical treatment which may include scans and surgical procedures when you admitted to hospital.
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