Useful Financial Information Fact Sheets
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Equity Release
If you are looking to improve your finances an equity release
or home reversion scheme could be the ideal solution for you...
Equity
Release
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Inheritance Tax
Death duties have been with us for centuries – once
called Estate Duty, then Capital transfer Tax and now Inheritance
Tax ( IHT). Irrespective of the name, the purpose has always
been the same – to raise revenue from estates...
Inheritance Tax
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Guide to Annuities
What is an Annuity? An annuity is an investment sold by insurance
companies. It is a way of converting a lump sum, usually a
pension fund built up during your working life, into an income
for the rest of your life. Unlike other investments, it cannot
be used up - however long you live...
Guide to Annuities
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Business Protection
A partnership can be an effective method of pooling resources
and skills to the financial advantage of all concerned. However,
it brings with it responsibilities and the possibility of
financial burden, especially when one of the partners dies,
retires or becomes incapacitated. For a partner, his share
in the business is likely to be his greatest financial asset
so he needs to take steps to protect it, not only for the
benefit of his family but also for the benefit of the other
partners in order to help ensure the continuation of the business.
The directors of private limited companies are in a similar
position...
Business
Protection
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Pension Schemes
There are a wide selection of pension schemes available,
these include: Occupational Pension Schemes, Final Salary,
Money Purchase, Personal Pension Plans, Stakeholder Pension
Schemes, and Personal Pension (SIPP)...
Pension
Schemes
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Unsecured Pensions
When it comes to thinking about your retirement, the low
interest rate environment, along with the past five or six
years of stock market turmoil, may have you concerned about
what you will get. Under normal circumstances you would look
at your pension pot, compare a few annuity rates and choose
the best one – but what happens when none of them seem
to offer enough?
Unsecured Pensions
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Financial Advice
Receiving advice can involve up to 4 distinct phases: Fact
Find, Generic Blueprint, Product Specific Blueprint, and Effecting
the product Specific Blueprint...
Financial Advice
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Saving for Retirement
Saving for your retirement is one of the most important financial
plans you can make. You can choose to save in a pension scheme
and/or a savings plan, but whatever you decide, you'll want
your funds to grow and be worth as much as possible in the
long-term. You may also have other assets that you aim to
help you financially in retirement such as a 2nd property
or the sale of a business...
Saving for Retirement
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Guide to Investing
Whatever is your reason, when investing, you take calculated
risks to increase your chance of getting higher returns on
your money, especially over the longer-term (money you can
afford to tie up for five years or more)...
Guide to Investing
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Why Consider a Maintenance Program
Historically, tied agents such as Banks and Insurance Company
salesmen have sold clients financial furniture often without
regard to the clients existing financial rooms or furniture.
This has lead to clients accumulating different types of furniture
and the feeling that their financial planning was disjointed
and did not have a holistic or long-term aim...
Why Consider a Maintenance Program
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