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Managing wealth and aspirations for real people


Pension Planning

Pensions can seem complex and daunting, but they are one of the best ways to invest for the future.

Pensions remain highly tax efficient, offering tax relief at the highest rate of tax on contributions, and the pension fund can be inherited by loved ones, inheritance tax free, in the event of death.

Although pension contributions are limited by the Annual Allowance (AA), it may be possible to carry forward unused annual allowances from previous tax years to make a larger contribution in the current tax year.

The rules surrounding the Annual Allowance (AA) and the Lifetime Allowance (LTA) are complex and taking advice is more important than ever to ensure optimisation of pension planning opportunities.

It is vital to start building up a pension fund as soon as you can to make the most of the available allowances. We can use sophisticated cash flow modelling software to ensure that clients are on track to achieve their objectives.

Some clients may have accumulated a number of private or work-related pensions over the years of employment and wish to simplify and gain clarity of your current arrangements.

Our highly qualified and experienced advisers will help to maximise available tax reliefs, consolidate existing pension arrangements and formulate a clear and comprehensive plan to achieve life aspirations and their best retirement. 


Investment Management

It can be daunting to know where invest money for the future.

Clients may feel concerned that the current return on savings is not keeping pace with inflation, particularly if there is a specific life objective to be achieved.   

Many people have accumulated a number of saving and investment arrangements and are not sure if their money could be working more efficiently for them.

Our highly qualified and experienced advisers can help to identify targets and objectives and provide clear and comprehensive investment advice designed to meet those objectives.

Tax efficiency is a key part of any investment plan, and we ensure that individual savings account (ISA) allowances are, where possible, maximised as part of a recommended investment strategy.

Our investment advice will be based upon the individual financial needs, life aspirations, investment objectives, time horizon and appetite for risk.

It is our aim to ensure that recommended investments provide the capital growth and income necessary to meet our clients' objectives, whatever their aspirations.


Retirement Planning

Approaching retirement throws up several options and it is crucial that we provide clients with the right information ensuring clients are able to make an informed decision.

With the Lifetime Allowance (LTA) having reduced since its introduction in 2006 many more people are facing an LTA tax charge and taking advice is more important than ever to ensure that benefits are drawn as tax efficiently as possible. 

Retirement planning is a fundamental part of what we do. We pride ourselves in helping our clients to identify financial needs in retirement and their life aspirations and explaining the available options in a clear and comprehensible way. 

We use sophisticated cash flow modelling software to model  retirement plans to ensure that it meets  capital and income objectives and is sustainable throughout retirement. 

Our highly qualified and experienced advisers will help to formulate a clear, comprehensive and tax efficient plan to achieve the very best retirement possible.

We offer advice on:

  • Self-Invested Pension Plans (SIPPs)
  • Trustee Investment Plans
  • Capped / Flexible Drawdown Plans
  • Phased Drawdown
  • Uncrystallised funds pension lump sum (UFPLS)
  • Annuities
  • Small Self Administered Schemes (SSAS)


Inheritance Tax Mitigation

Inheritance Tax (IHT) is the tax payable on an individuals estate in the event of death if the value of your estate exceeds certain thresholds. The standard Inheritance Tax rate is 40% and it is charged on the part of your estate above the threshold.

Protecting an estate, and ensuring that it goes to the right people, is an important aspect of financial planning for most people. Our advisers can help to ensure that clients enjoy the fruits of their labour during their lifetime, whilst ensuring that assets pass to loved ones as tax efficiently as possible in the event of death.

Without proper planning, many people end up leaving a substantial IHT liability on their death, considerably reducing the value of the estate passing to their loved ones. Our advisers can help to identify the potential IHT liability and provide clear and comprehensive advice to reduce or eliminate your estate’s liability to IHT.

We offer advice on:

  • Transferring assets into Trust:
    • Gift Trust
    • Discounted Gift Trust
    • Loan Trust
  • Business relief IHT solutions
  • Life assurance to cover a potential IHT liability
  • Generational planning


Financial Protection

Most people want to protect the things that are important to them, such as family, business, or quality of life. 

Protection planning can help to provide peace of mind in the event of financial situations changing due to an unexpected event, such as critical illness or death.

Our highly qualified and experienced advisers can help to clarify what’s important, identify the protection needed, for family, or your business, and recommend appropriate protection options to provide peace of mind. 

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Case Study

Managing wealth for real people

Margaret is aged 75 and is in good health. She is divorced with two children and three grandchildren. It is very…

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Life Planning

Life Planning connects the dots between our financial realities and the lives we long to live. The RLP designation make it possible for financial planners to cultivate a Life Plan designed to deliver the most meaningful kind of freedom: The freedom to pursue life’s passions, wherever they may lead.

Through the EVOKE® process a deeper level of understanding is established which enables the connection between money and meaning.

EVOKE® process summary:

  • Exploration
  • Vision
  • Obstacles
  • Knowledge
  • Execution
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Case Study

Rethinking your retirement plans

David and Anna are aged 58 and 60 and, following a minor health scare, they realised what is truly important to them and…

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Book a one to one meeting

Please do not hesitate to contact us as we do not charge for initial meetings. We would love to hear from you.

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