make sure you’re looked after
With so many savings and investment products on the market, it can sometimes be hard to decide where your money is best placed. We can introduce you to advisers to help you make the most of your money.
Tax treatment varies according to individual circumstances and is subject to change.
PENSIONS
A COMFORTABLE RETIREMENT REQUIRES CAREFUL PLANNING.
Whether your dreams for retirement are modest or extravagant, you will need that nest egg ready and waiting.
Planning your future is essential so it is vital you have a plan in place.
You will need to consider more than just putting a small monthly sum away. In order to plan your retirement you will need to decide what it is you want from those years and the cost it will entail.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
ESTATE PLANNING
There are two elements to estate planning; the first is making sure the right people benefit from your estate, the second is ensuring that they are not left with an unwanted tax bill. Without having a written will you are abdicating control to the state who will decide who benefits. If your estate exceeds £325,000 (this will remain at the same levels until 2026); the state will claim 40% of any excess via inheritance tax.
Many people don’t think of themselves as wealthy and therefore don’t feel they will run into the issue of inheritance tax, but you would be mistaken as it can affect many of us. Fortunately there are steps you can take to avoid any burdens being left to your loved ones after your death.
It is both important and necessary to have a valid Will in place to secure a quick and efficient conclusion for your chosen beneficiaries.
The Financial Conduct Authority does not regulate on Estate Planning.
Interested in the next step?
We are available to offer one to one advice Monday to Friday, 9am-5pm.
Please call 01684 561901 to arrange a time where we can sit down and discuss your options.
Or alternatively you can request a call back by filling in the form below.
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