What I have discovered during my 30 years of providing advice is that, once clients place their faith and trust in me and my company, they expect all advice to be given by us, and for that advice to be very high quality. My financial planning is a true 360 0 process that considers all aspects of a client and his or her personal circumstances (assets, liabilities, dependants etc.) as well as business ownership opportunities together with a ring of protection to minimise the effect of unexpected events (illness and death).
We provide truly comprehensive advice on all aspects of financial planning, whether that be for individuals or for business owners. Our advice often goes beyond this by providing guidance with life planning. The results on occasion have been spectacular.
Clients like our one facilitator service, they do not want to make separate appointments with a solicitor for their legal work or meet with trustees for trust work, or spend large amounts of money seeking tax counsel.
It helps that we are very knowledgeable about tax and legal documentation and that I can point to having numerous published articles of mine featured in Tax Adviser magazine and that I have written several books. Pride of place goes to my being a joint contributor to 250 page “Inheritance Tax Simplified”.
Although most clients tell us, what is equally as important as our competence, is how much we care.
Whilst our Total Planning System is a great success with personal clients, it is even more of a knock out with business owners.
Business owners have all the stresses associated with the day to day running of their business and ensuring their records are up to date. They often have little or no time to forward plan. We encourage business owners to take time out and to both take advice from us and use us as part of their discussion group when discussing their plans for the business.
They use us as their sounding board to success.
Of course, we assist them to maintain proper company records also discuss dividend strategies, forward planning, cash flow strategies, ongoing advice. And how to provide a circle of protection around their business and personal assets.
We also discuss with them how to organise their “One Deal Before Retirement” – which is a very successful way of re-arranging their current assets into a dynamic tool that will help their business AND increase their personal wealth.
AND we keep nagging them until they do it!
Does this approach interest you, then for further information, please click here to contact us.
Wills
The majority of people give more thought and time to planning their annual holiday than on considering how best to manage their personal affairs, this is particularly true with regard to time and consideration on how their Wills should be drafted.
Tax Planning
One is legally allowed to arrange one’s financial affairs so that one pays the minimum of tax. We have always advocated that clients look first at government approved avoidance schemes, such as ISA’s, Pensions, Enterprise Investment Schemes & Venture Capital Trust investments.
Lasting Powers of Attorney
Thinking and talking about what would happen if our faculties deserted us is uncomfortable. That is why it is important to consider Lasting Powers of Attorney. Imagine how much worse the situation would be for your family if you had a stroke, serious accident or dementia without making appropriate arrangements.
Residential Nil-Rate Band
The Residential Nil Rate Band Under the current Inheritance Tax regime, on death the first £325,000 of each individual’s net estate is taxed at 0%. This is known as the “nil-rate band” (“NRB”). Unless any tax reliefs apply, the rest of their net estate is then taxed at 40%.
