Savings & Investments

The value of the investment and the income they produce can go down as well as up. You may not get back as much as you put in.


ACCUMULATING WEALTH

You are likely to have a cash lump sum or some disposable income available. You are keen to plan ahead for you and your loved one’s future.

This often means Saving and Investing to help meet your objectives, however big or small they are. But when it comes to investing things can become complicated, and naturally you want to make the right decisions. You may need help to think through:

  • How best to invest a cash lump sum
  • How much should I be saving on a regular basis to meet my objectives. For example; a deposit for a home, a Wedding, your children’s education or a holiday.
  • Investing so I can retire early
  • Boosting my retirement income
  • Whether you should clear debts or invest your money
  • How to utilise your annual ISA allowance
  • How to reduce your income tax bill through making use of different tax reliefs available
  • What the risks of investing are and how these can be managed

View Our Case Study | Book your no obligation free initial meeting

MANAGING WEALTH

You are likely to have existing investments. You are keen to manage your money, and get the optimal return for the level of risk you are prepared to take.

This often means balancing risk & reward, taking into consideration any future capital or income needs. But when it comes to managing your investments there are lots of points to consider, and it is important to make sure you’re on track to achieve your objectives. You may need help to think through:

  • How are my investments performing
  • What does all this paperwork mean
  • How best to invest a cash lump sum
  • Am I on track to achieve my objectives. For example; Financial Security, Retirement Income, Gifts to family
  • Whether I should withdraw money to clear debts
  • How to utilise annual tax allowances to boost returns. For example; Pension Tax Relief, Stocks & Shares ISA, Capital Gains Tax, VCT’s & EIS investments
  • The risks you are currently taking, and how these can be managed going forward

View Our Case Study | Book your no obligation free initial meeting

SPENDING WEALTH

You are likely to have existing investments. You are keen to manage your income to make it last.

This often means managing your investments to protect your long-term income. You may need help to think through:

  • How are my investments performing
  • How long will my money last
  • Will I have enough money in later life? For example; Funding possible care costs.
  • I have several investments, which one is best to withdraw money from
  • Will I have to pay tax on investment withdrawals
  • Can I afford to gift monies? Will I still be on track
  • What is the annual gift allowance
  • Will my family have to pay Inheritance Tax
  • The risks you are currently taking, and how these can be managed going forward

View Our Case Study | Book your no obligation free initial meeting

Wealth Management

There are three key stages to Wealth Management. Accumulating Wealth, Managing Wealth and Spending Wealth.

Accumulating Wealth

This stage typically occurs in the career years, usually aged between 30 and 60. As take home pay increases you find yourself with more disposable income. The temptation is to spend all of your disposable income. The sensible approach would be to save and invest some of your disposable income to achieve specific outcomes.

Everyone’s aspirations are slightly different, but here are a couple of the common outcomes we help clients plan for.

A Comfortable Retirement – Having sufficient income in retirement is key if you want to continue in the lifestyle you have become accustom to. In addition, you may want a big adventure, perhaps a round the world trip. You may want to purchase a sports car, boat or holiday home. These big ticket items require access to a cash lump sum and with the right financial planning advice you can enjoy the ideal retirement.

University Funding – When children enter our lives it is the most amazing feeling. You want to do everything you can to support them and give them the best start in life. Client’s often tell us they don’t want to have to worry about helping their children financially. The biggest expense is usually University. Not the fees, because these are covered by the Student Loan. They mean living costs. Start saving early and you will hardly notice the financial impact on your lifestyle. Other changes such as sleepless nights, well, we haven’t found a solution yet!

Did you know there are valuable tax breaks and incentives to help your income go further. Don’t miss out. Book your free consultation today.

Managing Wealth

As you accumulate wealth you need to consider how best to manage your wealth. Getting the right balance between risk and reward to deliver your goals is vital. For example, you wouldn’t want to leave a significant cash lump sum in the bank over a long period of time earning very little interest. In real terms, the cash lump sum would be worth less in 5 years time as inflation (the cost of living) outstrips the interest earned.

At the opposite end of the spectrum you wouldn’t want all of your retirement fund held in high risk investments if you where about to retire.

We believe in wealth management that delivers your desired outcomes making use of the tax incentives and allowances available. Don’t leave things to chance. Book your free consultation today.

Spending Wealth

When it comes to spending wealth the key concern is usually that your money will last. The money won’t suddenly run out, forcing you to make changes to your lifestyle, or living arrangements.

A great example of this is pension drawdown. You are free to draw as much as you want. But what is a sustainable amount that will last your lifetime? You also don’t want to be paying more tax than necessary. What if you want to pass some wealth onto your family?

We can provide advice, structure your investments and income so it lasts and is tax efficient. Book your free consultation today.

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