Individual Services

Protecting Your Family

What happens when the worst occurs? Maybe you can’t work because of an accident or illness. Perhaps you can’t afford the mortgage because of redundancy, or you get a serious long-term illness. What do you and your family need financially when you can’t look after them? Let us worry about it. We will tell you what you need.

Buying Your Home

Saving for a deposit, finding the right mortgage, figuring out how to pay it back; what insurance do I need, what happens if I’m ill or I die – how will the mortgage be paid? It isn’t as easy as simply finding the home of your dreams. Let us do the hard work, you choose the furniture.

Saving For the Future

Whether you’re saving for a rainy day, a ‘big’ purchase, a special holiday, your children’s education or university or preparing for your retirement, let us show you the best way to do it while you concentrate on making plans for the future.

Managing Your Wealth

You’ve saved a pot of money, have a frozen pension, finally reached retirement or received an inheritance. How do you make sure your money keeps on growing, that you don’t give it to the tax man and that you generate the income you need? Perhaps you want to pass it on to future generations? Let us match you to the right investment options so you can enjoy spending what you’ve earned.

Reducing Your Taxes

No-one likes to see their hard-earned money and savings go to the tax man. There are plenty of ways to make sure you pay the least amount of income tax possible on your earnings, the smallest capital gains tax on any investment profits you make and to ensure you pass as much of your estate as possible on to your family and friends on your death. Don’t let the tax man have more than he is entitled to. We can show you what you need to do - and it can be as simple as writing the right will and picking the right investments.

Coping With Old Age

There will probably come a time when you want to get some help to make your more senior years more enjoyable – someone to help you around the house or to move to a residential home, or even providing for a time when you can’t make decisions yourself. We can help you understand how you can release money from your property (equity release**), how to pay and prepare for the help you may need (long-term care) and how to let someone make decisions for you (power of attorney) when you want them to and how you want them to.

* Where a specialist isn’t available inhouse this will be sourced via Quilter Financial Planning

** This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration

Come And Talk To Our Advisors

The Financial Conduct Authority does not regulate Taxation and Trust advice,
and certain aspects of Long Term Care.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Helpful Links

  • The Money Advice Service
  • HM Revenue & Customs
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