Building & Preserving Capital

 

 

During a lifetime clients will need to make decisions about the investment of large sums of money as a result of events like retirement and inheritance. We discuss with clients their attitude to risk, the objectives for the investment and help build an appropriate investment portfolio covering many different asset classes.

Building capital can take a lifetime of hard work and regular saving. To ensure clients have the necessary funds to fulfil their ambitions at key points in their lives we regularly review progress with clients to ensure they are on track to achieve their plans.

We advise on:

• Individual Savings Accounts (ISA's)
  
  
• Unit Trusts
  
  
• Investment Bonds
  
  
• Offshore Investment Bonds
  
  
• Personal Pensions
  
  
• Existing Pension Funds - If you have left a job you may still be entitled to a preserved pension. You can consider transferring your pension benefits to your new employer's pension scheme or to a personal or stakeholder pension. When reviewing exisiting pension funds we consider:

  Is the funding level adequate?
  Is the investment risk appropriate, particularly as you get older?
  Is the investment performance competitive?
  Are the charges offering good value for money?

• Self Invested Personal Pensions (SIPP's)
  
  
• Care Fees Planning – The process of finding suitable care and sorting out the legislation, not to mention helping your loved one come to terms with the significant changes to their lifestyle can be extremely hard. Add to this the emotive, and often confusing financial situation and it is not surprising to learn that many people feel tired, stressed and worried at a time like this.

  As a suitably qualified adviser we are well versed in the subject of care fees planning and able to demonstrate a genuine and caring approach. We can help you make the important decisions at what is one of the most demanding times of family life.

  Please Click Here to open The Ultimate Care Fees Planning Guide. This will help you understand the situation better and decide whether you need our advice.
  

Throughout a lifetime it is not unusual for clients to acquire a portfolio of shares. This can result in complex tax affairs and onerous paperwork. We work with clients to help them simplify this process.

We advise on:

• Portfolio Management Services

As part of the relationship with clients we will also advise on how to minimise the effects of Inheritance Tax and ensure you:

• Keep your assets within your family
  
  
• Protect your Nil Rate Band if you were to die and your partner re-marry
  
  
• Protect assets passed to children / grandchildren from the risk of them becoming bankrupt or divorced
  
  
• Protect your assets from the need to fund long term care in later life

We advise on:

• Wills *
  
  
• Discounted Gift Plans
  
  
• Gift & Loan Plans

 

* Will Writing is a separate and distinct service to those offered by St. James's Place and not regulated by the Financial Services Authority