Saving & Investments

Savings and investment needs change over the course of a lifetime, so careful thought needs to given as to what those objectives are. This is an area in which compromise and self understanding are essential. 

Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available, so be cautious of anyone who claims otherwise. Most people build up their savings from regular amounts from disposable income whereas the need to invest a lump sum can arise from the receipt of a legacy or other windfall.


Nobody knows what's around the corner, but with good advice and sound planning, you can structure your pensions and savings in such a way that is matched to your goals. 

Whether you need help with combining your existing pension policies or you are looking to start a new one, by talking to our experienced team of qualified advisers we can help you take the stress out of planning for the future.

We use award winning technology that offers 24 hour access to the performance of your pensions and investments.


Life & Protection

For most families, it is income rather than savings that enables an enjoyable standard of living. Loss of that income as a result of death, sickness/illness or unemployment will usually cause a reduction in the quality of life for the family.

State benefits can only provide a basic lifestyle and increasing pressure on funding means that benefits are unlikely to increase in real terms in the future. The spouse/partner may, therefore, have to become the major earner which could leave the issue of who will  look after the children or fund the cost of childcare. We can assist you to make provision against these significant risks, which can help to overcome the financial distress caused by such events.

Inheritance Tax Planning

Inheritance Tax Planning (IHT) is firstly reviewing the value of your total assets to find out if they are over the current Inheritance Tax threshold as set out by the government. This is important to know before writing a will as there are some measures that you may want to take to avoid paying Inheritance Tax.

The current Inheritance Tax threshold for individuals is £325,000 (the nil rate or nil band threshold). This is for all assets including trusts and gifts made within 7 years of death.

If you are a married couple or civil partners and you leave all or part of your assets to your spouse or partner they can add your Nil rate allowance to theirs. This means that upon death of the 2nd partner/spouse the Inheritance Tax threshold can be as much as £650,000.  
If the Inheritance Tax threshold increases between the time of the 1st partner or spouse dying and the death of the 2nd the increased threshold amount will apply.

The rate of Inheritance Tax is 40% of everything above the nil rate band.  Although this may be reduced on gifts made between 3-7 years before death. Usually it is the responsibility of the executors or personal representatives of your estate to settle any inheritance tax bill before distributing your assets to your beneficiaries.