Financial Planning:
Private Client Services

As befits a private client service, we act primarily for private individuals, trustees, attorneys, and partnerships; we also provide personal pension advice to the partners of a multi-national accountancy practice.

Principal areas of advice for private clients are:

Pensions Advice & Retirement Planning

With State Benefits getting smaller and radical pensions reform in the offing, it is now more important than ever that retirement planning is flexible, tax-efficient and cost effective. We provide specialist pensions and retirement advice at all stages of our clients' life cycles, taking into account their overall financial circumstances and anticipated requirements.

Our service covers both Personal and Stakeholder schemes, as well as specialist planning such as self-invested schemes (SIPPs), funded unapproved schemes (FURBS), income drawdown and phased retirement. Our expert pensions advisers often work in tandem with our personal tax advisers to ensure that you obtain maximum tax allowances, the optimum capital appreciation and minimal exposure to tax on your eventual benefits.

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Tax & Estate Planning

Having assisted you in growing your assets, it follows on that we should plan ahead so that the bare minimum in tax (if any) is payable by you or your beneficiaries. Tax and estate planning forms a fundamental part of our approach to strategic financial planning. By ensuring that you are aware of the opportunities available at the appropriate time, much can be done to reduce this financial burden on your family without prejudicing your own financial security. Where appropriate, we are able to call on the expertise of our trust and tax specialists and will also be happy to liaise with your solicitor in order to provide complementary advice.

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Other Areas

A wide range of peripheral services also come under the remit of financial planning such as giving appropriate advice on Wills, Powers of Attorney and writing assets and policies under trust. As part of our initial research into your needs, we seek to ensure that you are making optimal use of all tax allowances and exemptions and that we raise all issues that should be reviewed and prioritised. In addition, we also advise on life assurance and income protection schemes for individuals and set up pension and employee benefit schemes for new companies and overseas start-ups.

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Further information and copies of financial planning newsletters are available for download in our Publications section.