What we do
Your financial plan
Knowing where you are, want to go and how to get there are crucial for any journey. Our financial planning service equips you with the tools you need for your financial journey through life.
We help to show you how much you need to save or spend; to invest or repay debt; how fast your investment needs to grow, the corresponding investment mix and what insurances you need to live your desired lifestyle.
At the same time, we can help you keep investments costs low, minimise tax and ease the administration hassles involved in managing your money.
Read about our financial planning philosophy
Your investments
We advise on investments for individuals, families, trustees, business owners and pension fund trustees. We prefer to do this in conjunction with a financial plan as we know this results in superior outcome for you.
We construct investment portfolios designed to harvest the investment returns you need at low cost whilst keeping investment volatility and taxes to a minimum.
Talk to Stephen or Tim about your investments.
Read about our investment philosophy
Your business
We have been helping our business owner clients create and preserve wealth since 1986 using the business wisdom we have accumulated over several generations.
One particularly successful tool is the Small Self Administered Scheme (SSAS). Similar to the Self-Invested Personal Pension (SIPP), it is a tax-efficient investment structure.
These schemes can be used to make secured loans back to your business or unsecured loans to unconnected third parties, thus providing a superior return to cash in the bank.
SSASs and SIPPs can be geared up by 50% of the initial fund to purchase commercial property, which can be rented by your business or third parties. The rent and any capital gains are received tax-free in the fund.
SSASs and SIPPs can be used to purchase a wide range of other traditional and speculative investments. You do not have to accept the constraints of traditional pension managed funds where a faceless fund manager takes the important decisions for you.
Contributions to the scheme from your business qualify for corporation tax relief within certain limits.
Whilst money invested in any pension is tied up until you are 55, there are now many flexible ways of drawing the fund down, avoiding the need to liquidate the fund to purchase an annuity.
The new coalition government has stated its aim to make drawdown from pensions even more flexible within the term of the current parliament.
Talk to Richard about your business.
