Wealth Management

We have also developed a number of industry specialisms over the years, which enable us to provide finely tuned, highly focused services in these sectors.

Financial Advice has developed so much over recent years that it now covers a huge spectrum of financial planning opportunities. Many of these areas are becoming increasingly complex.
Financial planning is an ongoing, continuous process, running throughout a person’s lifetime.
Look at all of your pensions: As part of a structured pension review, you will need to consider the impact of your existing pension arrangements on your retirement needs.
Understanding your pension entitlement: Your potential state pension benefits can come in up to three parts, depending on your age.
Death Benefits: This very important feature of most Occupational schemes is often overlooked in financial planning terms, and in conjunction with a review of your protection needs, can often result in cover being purchased independently.
A review of your cover may save you money: Most people put off reviewing their life assurance and protection needs for as long as possible, but as you get older, the risks of death or serious disability increase, and taking advice about life assurance and protection needs should become a priority.
Are your insurance policies held within a trust arrangement? If not are you aware that any benefits may well end up inside your estate, and potentially subject to a 40% Inheritance Tax charge.
Few of us like to think about dying, but equally few of us could live with the thought that we have not made adequate provision for family and friends who survive us.