The changes in Financial Services have escalated to such an extent that neither advisers or clients are able to address them in sufficient detail without allocating a significant amount of time to basic research. Invariably, this time is not available to the extent that is necessary. Consequently, fees and charges are rising at a rapid rate and Independent Advisers, Accountants and Solicitors are becoming more and more specialised making it even more difficult to select an Adviser let alone a basic passage plan.
We have many years experience in the financial services sector and have the relevant qualifications and experience to provide expert guidance upon which to build a platform to launch a Financial Strategy conducive with any aspect of individual personal or corporate circumstances.
Our function is to introduce an overall strategy to your lifetime earnings and capital future which is flexible and can be adjusted to the twists and turns of your life experience as they occur because although you can plan for the future, you never really know what will happen, until the years go by.
We have many years experience in the financial services sector and have the relevant qualifications and experience to provide expert guidance upon which to build a platform to launch a Financial Strategy conducive with any aspect of individual personal or corporate circumstances.
Our function is to introduce an overall strategy to your lifetime earnings and capital future which is flexible and can be adjusted to the twists and turns of your life experience as they occur because although you can plan for the future, you never really know what will happen, until the years go by.
Services
How much time and energy have you spent in working to reach your current position?
How much time do you have left until retirement and what are your essential needs goals and ideal requirements in the event of sickness, accident, critical illness or death?
How much cover do you need?
These questions will help you assess your initial approach to underwriting your ability to achieve some or all of these objectives.
If you express your attitude to risk in terms of foundation, walls and a roof you can create basic, reasonable and fully comprehensive cover budget parameters.
How much time do you have left until retirement and what are your essential needs goals and ideal requirements in the event of sickness, accident, critical illness or death?
How much cover do you need?
These questions will help you assess your initial approach to underwriting your ability to achieve some or all of these objectives.
If you express your attitude to risk in terms of foundation, walls and a roof you can create basic, reasonable and fully comprehensive cover budget parameters.
Mortgages for house purchase in today's markets are hugely diverse.
There are so many options that limitations on research and the need for speed generally create the main conditions for selection.
Broker / Advisers often cannot access special deals available direct but what indeed are the real costs of that low cost loan that hits the headlines?
As part of a package of overall financial advice direct deals are accessible with a cost analysis of the overall scenario using a direct offer.
Important considerations are flexibility, portability to another property, initial fees as a percentage of the mortgage over the term of the fixed rate not the mortgage term, together with any other ancillary conditions, early surrender penalties for example.
There are so many options that limitations on research and the need for speed generally create the main conditions for selection.
Broker / Advisers often cannot access special deals available direct but what indeed are the real costs of that low cost loan that hits the headlines?
As part of a package of overall financial advice direct deals are accessible with a cost analysis of the overall scenario using a direct offer.
Important considerations are flexibility, portability to another property, initial fees as a percentage of the mortgage over the term of the fixed rate not the mortgage term, together with any other ancillary conditions, early surrender penalties for example.
Standard investment advice has always been not to invest for a tax advantage alone.
However, the tax treatment of a particular investment can provide a very useful boost to the initial capital invested or indeed a useful cushion in a falling market.
The way that the eventual income or capital gain can be taken within the relevant taxation criteria is also an important consideration which can make a significant difference to the end result.
Levels of Risk need to be carefully assessed without looking at any specific investment.
However, the tax treatment of a particular investment can provide a very useful boost to the initial capital invested or indeed a useful cushion in a falling market.
The way that the eventual income or capital gain can be taken within the relevant taxation criteria is also an important consideration which can make a significant difference to the end result.
Levels of Risk need to be carefully assessed without looking at any specific investment.
Having bailed high rolling banks out of the 2007/2008 financial crisis, the Government is now in need of ever increasing income just to stand still.
Austerity brings its own problems and the measures introduced do not always succeed in increasing their actual tax income.
Tax Evasion has always been illegal but Tax Avoidance was always considered perfectly reasonable.
In today's climate, however, we are being told that we have a moral obligation to pay as much tax as possible but the fact is that we are legally and rightfully able to organise our affairs in a manner in which we pay the least amount of tax.
Austerity brings its own problems and the measures introduced do not always succeed in increasing their actual tax income.
Tax Evasion has always been illegal but Tax Avoidance was always considered perfectly reasonable.
In today's climate, however, we are being told that we have a moral obligation to pay as much tax as possible but the fact is that we are legally and rightfully able to organise our affairs in a manner in which we pay the least amount of tax.
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