Helping You To Plan For Your Future While living For Today

Financial Planning

Estate Planning

Put simply, Financial Planning involves working out what’s most important to you and your goals in life. Then, by taking into account the time by which you would like to achieve your goals and their likely costs, you can work out how to get where you want to be by planning your finances accordingly.

Estate Planning is simply ensuring that those whom you wish to benefit from your estate upon your death do receive whatever assets that you wish to leave to them. It should also help to minimize the tax that is paid to the taxman and maximize the amount that is paid to your beneficiaries.

Mortgages

Equity Release

Mortgages are becoming increasingly more complex with each lender having their own criteria which they sue to decide whether or not you qualify for the mortgage you would like. This includes Buy to Let mortgages.

Equity release is a method of borrowing money secured upon your home in order to fund living expenses or a one off large capital expense where you do not have other assets or sufficient inciome to call upon. This is a specialist area.

Protection

Business Owner

Protecting you and your family financially from unforeseen events is the foundation of financial planning. You could protect your income in the event that you are unable to work, provide a lump sum cash benefit in the event of death or critical illness or provide an income benefit in the event of your death.

Your time is precious but you are probably like many small business owners wondering how it continually flys by!  Getting new business, dealing with customers, staffing issues, cashflow – the list of daily calls upon your time is endless.  This inevitably leads to a failure to plan for your future once your business career comes to an end.