We work with individuals and Trustees to provide advice on managing investments. We can help Trustees create an Investment Policy Statement (IPS) and help them to meet the on-going requirements of the Trustee Act 2000. Our service proposition is tailored to meet the needs of the individuals and trustees. We pride ourselves on the effort we put in to explain to our clients their situation and options at each review meeting.Investment Management
“Roger has managed my portfolio for at least 5 years . During that time I have always found him to be totally professional . Nothing is too much trouble and he goes to great lengths explaining things to me in a language I can understand. I have great faith in his integrity and the quality of advice he provides . OverallI feel I am in safe hands with my investments and would recommend his expertise and services to anyone” Hazel, Lancashire
Pre & Post Retirement Planning
We will help you make the most suitable retirement income options at and beyond retirement, including maximizing capital and income. To do this we help you understand the complex retirement income options, research the market and recommend the right solutions to meet your objectives in retirement; which include, securing your income, providing for your dependents and keeping tax efficiency in mind.Retirement Planning
“He spent a lot of time going through the various schemes I was involved in, explaining my options. Roger obtained a better pension for me than I could have done on my own, and his fees were more than covered by the extra pension he gained for me“ John, West Yorkshire
We will meet with you to discuss and explain the various elements of your financial life in order to address any issues that might come to light. We can create a full financial plan when requested through a comprehensive evaluation of your current and future financial status by using currently known variables to predict future cash flows, asset values and withdrawal plans.Financial Planning
“Roger is also very good at explaining complex financial concepts to new clients and processing all the necessary documentation. Roger is very sound and trustworthy and I have no hesitation in recommending him as a financial adviser.” Paul, West Yorkshire
By helping you to understand the interaction of the various taxes we can help you plan your taxes in advance, and come up with effective strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay. We are happy to work in conjunction with your accountant and tax advisers.Tax Planning
“Roger gave me full and detailed advice. I felt that I was in the hands of a thorough and professional adviser.” Frank, London
INHERITANCE TAX PLANNING CASE STUDY >
Graham & Martha
Graham & Martha wanted to pass on us much to their children and grand-children as possible. However they were aware that they might require access to most of the capital and income to provide for their care in later life.
Original plans used in the correct manner to suit their circumstances. Existing Life Policy place in Trust to give Inheritance tax free proceeds to the Trustees to pay outstanding Inheritance tax (if any). Avoid need to gift assets to mitigate Inheritance tax, leaving funds available for use in later-life if required. We also identified that their wills needed updating and that it was a good time to begin the process of applying for lasting powers of attorney and referred them to a local solicitor.