wealth management and personal financial planning
For the majority of clients their business and personal finances are
inextricably linked. Because we specialise in both these fields and have
continued ongoing contact with our clients, it makes sense for us to provide
the financial advice they need - particularly where value is being extracted
from a business to generate personal income, capital or pension funding.
We advise on a wide range of needs including:
- all forms of protection - life assurance, critical illness, income
replacement, sickness and key man insurance etc
- investment advice
- personal and business mortgages
- employee benefits packages
- pension, retirement and inheritance tax planning
- investments for children.
We work closely with external Independent Financial Advisers.
It is all too easy for business owners and managers to become so enveloped
in the business that they lose sight of their own personal goals. We encourage
clients to sit down with us each year to review their position. Having
established a baseline position for a client, it means we can, when reviewing
their audit or accounts, be alive to opportunities for optimising their
personal tax position with reference to their long-term financial security.