Your Advice Needs

 

Pensions

We can advise on the whole range of your pensions and how they fit with your objectives.

  • Pension Consolidation

  • Pension Contribution Options

  • Pension Income Strategies

  • Retirement and Succession Planning

Investments

We advise on all types of investment portfolios to help build your wealth.

  • ISAs, GIAs and Bonds

  • Active and Passive Strategies

  • Asset Allocation Models

  • Ethical Investing

  • EIS and VCTs

Protection

Protection is a vital part of your finances. It defends you against the worst.

  • Life and Critical Illness Insurance

  • Income Protection

  • Business Protection such as Shareholder and Key Person Insurance

Tax

We’ll always aim to make your finances as tax efficient as possible. We advise on:

  • Inheritance Tax

  • Tax Reliefs and Allowances

  • Lifetime Allowance and Pension Related Taxes

  • Income Tax

  • Capital Gains Tax

 

Bloubergstrand, Cape Town, South Africa

What you are looking for will be different to everyone else. However, here are some example questions we help answer.

 

Do I have enough to retire?

 

I’ve inherited some money, what is next?

Is it worth consolidating my pensions?

 

Is my business worth enough to retire?

Are my investments appropriate for my future?

 

Are my family okay if I’m ill or pass away?

How can I mitigate inheritance tax?

 

Can you help me understand what I’ve got and what it means?

 

  • Investments and Pensions are long-term investments, and their value can fall as well as rise. You may not get back all of your original investment. This means that your eventual income will depend on the size of fund at retirement, future interest rates and the impact of tax legislation.

  • Tax Planning Advice is not regulated by the Financial Conduct Authority

  • The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents