Services

Individual attitudes to wealth and what it means vary considerably. Lifestyle needs from one family to another will be vastly different. Individuals need to react to personal and market changes quickly. Some people want to retire early, some want to work longer. Short term investment returns are important to some people whereas others look for a longer term result.

But whatever the need, whatever the attitude, we can provide relevant and cost effective answers. In helping individuals manage their wealth we provide a wide range of services and products.

Pension and Retirement Planning

Making sure that you enjoy the lifestyle you desire once you stop working is important and you need to be aware of a number of factors in order for you to do so. We can assist you at every stage from helping you to plan ahead to make sure, when you do retire, you get the best possible financial deals.

  • Pension Investment advice
  • Annuities
  • Impaired life and enhanced annuities
  • Income Drawdown
  • Phased Retirement
  • Alternatively Secured Pensions

Find out more about Pension and Retirement Planning

Personal Investments

Setting your personal investment goals and then seeing them through to fruition can be fraught with pitfalls. We can help you at every step of the way to avoid the problems and provide ways and means of meeting your personal objectives.

  • Asset allocation and attitude to risk.
  • Which funds?
  • Tax wrappers (ISAs; Offshore/Onshore; OEICS, Unit Trusts; VCTs; Enterprise Investment Schemes)

Find out more about Personal Investments

Estate Planning

Many people are unaware of the arrangements that can be made, quite legitimately, to reduce the tax burdens on their estate. As a result they unnecessarily pass on a large amount of their estate to the government, rather than to their loved ones. We can help you protect your estate.

  • Inheritance tax mitigation
  • Exemptions & allowances
  • Wills

Find out more about Estate Planning

Personal Protection

It is important that you protect yourself, and your family and dependents, against the unexpected events which could have an adverse effect on your standard of living. To lose an income temporarily or permanently, can be devastating. Let us help you make sure that the impact of such a loss is minimised.

  • Critical Illness
  • Whole of Life Insurance
  • Term Insurance
  • Income Protection

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Specialist Help and Advice

We know that private individual consultancy on these areas, sometimes involving member’s and their partners, is vital in ensuring that the right decisions are taken to manage, and protect, your, family and finances. With our Wealth Management Consultants providing annual review meetings to ensure that whatever arrangements put in place remain appropriate we can help provide the peace of mind required in ensuring that the finances which you have worked so hard to create are there to provide you and your family with the benefits you desire.