Personal Financial Planning
Sadly, Family Finances often consist of:-
- Pensions which need checking;
- Policies which are no longer relevant;
- Inadequate protection for dependants;
- Mortgages that are more expensive than they need be;
- Limited or no savings.
OUR INITIAL FREE CONSULTATION
will help you identify your needs and priorities
Our careful approach ensures our advice will result in recommendations which suit you by:
- Setting out the available options;
- Helping you select those with which you are comfortable and fit our assessment of your risk profile - for many of our clients a cautious savings investment policy is most appropriate.
Planning for retirement has to be near the top of the agenda for most clients and a review can provide assurance or identify shortfalls.
On retirement you may have a number of Options - we can help you select those most suitable for you.
Many clients have Personal Pension Policies taken out years ago which are often of the old high-expense variety which can now benefit from a transfer to more modern, cheaper arrangements - remember that the annual charges applied to pension saving schemes can make a very significant difference to the size of the fund at retirement. And in addition, it gives you the opportunity to have the performance of your particular fund considered.
There may be old deferred, or "frozen" schemes from earlier employments. Depending upon the scheme it may be possible to improve the security of your funds as well as obtaining improved benefits. Many company pension schemes have been the source of well-reported solvency concerns - remember that a company scheme can only pay out its pensions if it has the funds to do so. We can arrange for a free check of such schemes to be carried out.
Planning for the future is always important whether it be savings to help your youngsters through University or to minimise the impact of Inheritance Tax upon your estate at death.
Family Protection upon death or illness can be vital for children and dependant spouses.
Moving house can be a traumatic process. We can help you through the mortgage maze, identifying a mortgage product suitable for you and a protection package to give you peace of mind.