Most of us want to know that when we are no longer around, we will be able to take care of the people we love by passing on the wealth we have worked so hard to accumulate.

The last thing you want is for the taxman to take any more of your assets than necessary but in organising your affairs in the most tax-efficient way, you also need to make sure that you take good care of your own financial needs in retirement and old age.

That is why more and more people are turning to people like us for expert help with estate planning, including inheritance tax planning.

Estate planning includes drawing up a well-drafted, tax-efficient will and taking advice on opportunities to minimise inheritance tax, including lifetime gifts.

Other estate planning solutions include whole of life insurance policies, which can help to offset significant inheritance tax bills in the future. Trusts are another useful tool for protecting assets to be handed on to future generations in a tax-efficient way.

Whatever the size of your estate, we can advise on opportunities to help you pass on your assets more effectively.

If you would like to know more about how we can help you, please contact us.

‘The Financial Conduct Authority does not regulate taxation and trust advice.’

When you are thinking about your finances, you need to consider how best to protect yourself and your family against all the most serious risks that you face.

We will review your existing arrangements and help you decide on the right level of insurance and the appropriate types of cover, including life assurance, critical illness cover and payment protection cover, to meet mortgage repayments if you suffer an accident, sickness or unemployment or are unable to work.

If you are in business, we can also advise on protection policies, including cover against the death or illness of key staff or business owners, which could otherwise cause major difficulties.

If you would like to know more about how we can help you, please contact us.

When it comes to retirement planning, it is never too early to start thinking about your financial security in later life.

Retirement planning is different for everybody, because no two people and their circumstances are the same.

We would all like to enjoy a comfortable lifestyle in retirement but the state pension alone can only provide the absolute basics. We can help with the complexities of pension planning and construct a plan for a sound financial future.

We will look at your current pension arrangements and what these are forecast to provide, to give you a full picture.

Then we will establish the income you would need to provide for your desired lifestyle, the kind of contributions you will need to make to give you that income and your options.

The good news is that pensions are more flexible than ever before, from simple individual pensions to more complex schemes such as income drawdown and self invested personal pensions (SIPPs).

We can also identify other saving and investment opportunities to supplement your retirement income. All our recommendations will be based on our knowledge of you, your circumstances and your attitude to risk.

Alongside your pensions planning, if you are in business we will help you to plan your exit strategy – whether you wish to pass on the business to the next generation, sell it as a going concern or wind it down – and make sure that the process is tax-efficient.

We will also help you to think about issues such as long-term care and medical insurance, to give you peace of mind in case of ill health. However we help you, we can work with you long-term to make sure that your portfolio keeps pace with your changing needs and advise on new opportunities.

If you would like to know more about how we can help you, please contact us.

‘The Financial Conduct Authority does not regulate taxation advice.’

You work hard for your money, so you want it to work hard for you, to help you achieve your goals, both short-term and in the future. We will create an investment strategy designed to do just that

We start by assessing your attitude to risk. We will ask some simple questions to establish whether you are willing to take bigger risks with your money, to achieve potentially greater rewards, or whether you prefer a return that is likely to be lower, but with greater security.

By matching your investments with your attitude to risk, you can be sure that the products and funds chosen are right for you.

We aim to build a long-term relationship with you and can, if required, review your investment strategy on an ongoing basis, tailoring it to suit any changes in your circumstances.

If you would like to know more about how we can help you, please contact us.