Financial Advice – Our Service Offering

As independent advisers we offer all forms of regulated advice to our clients:

Personal

Pensions and Retirement

  • Retirement planning: Advice on accumulation of funds / appropriate types of pension contracts
  • Pension investment – ongoing advice
  • Close to /at Retirement – advice on retirement choices: Tax planning, income drawdown, annuity

Investments – full advice services for cautious through to adventurous investors:

  • NISAs / ISAs and other Collective Investments: OEICs and Unit Trusts
  • Risk-rated, multi-asset, multi-manager
  • Onshore and offshore investment bonds
  • Investment Trusts and Exchange Traded Funds (ETFs)
  • Structured Products
  • Venture Capital Trusts (VCTs)

Inheritance Tax planning and mitigation

  • Advice on Gifting, family trusts, use of investment bonds, niche products, underlying investments
  • Appropriate use of Trusts: Discounted Gift Trust, Gift, Loan Trust, Discretionary and Absolute
  • Advice on maintaining access to capital at specified intervals (niche products)
  • Tax and cash flow planning

Life Insurance and Health Insurance

  • Advice on the appropriate levels and type of cover to take out
  • Life and life / critical illness cover on level, increasing and decreasing terms
  • Income Protection

Mortgages

(carried out by our mortgage IFA partners at our Victoria, SW1 base)

Company Benefits and related services for owners of Small / Medium Enterprise Services: