Investing for your future and that of your dependants is not something to take lightly and we consider it a particular expertise of ours. We are not tied to any one investment provider and seek to align your investments with your own goals. We consider what your investment goals are, when you need to achieve them and plan accordingly.
In managing your investments we are able to make use of the full range of investment tools and tax vehicles available to maximise your returns and minimise your tax liability.
ISAs
ISAs form a valuable part of investment plans for most people. Your ISA allowance is annual but if you do not use it before the deadline then it is gone forever. Read more about ISAs.
Junior ISAs and saving plans for children
The Junior ISA (JISA) is the tax free savings account for adults to save annually on behalf of a child. They replaced Child Trust Funds as of 1 November 2011. Read more about JISAs.
Lump sum investments
Whenever you have a lump sum, whether it be a bonus payment, inheritance, the proceeds from the sale of a business, or a severance payment, it could make sense to invest some of it. Some lump sums could be a once in a lifetime event and you might want to make it last long into your retirement.
Even if you have not previously used a financial adviser, given the size and importance of the investment, it is worthwhile seeking professional advice.
Some clients come to us just for the investment advice while others begin that way and migrate towards the broader advice available through our wealth management and financial planning services.
School fees planning
Many parents are faced with dilemmas due to the spiralling costs of giving their children what they believe to be the best start in life. For example, should you pay fees out of income, or should you put money aside? Should you use the equity in your property (if there is any) or should you reduce your mortgage so that you can borrow later? How much will be needed for primary, secondary and university fees plus uniforms, trips etc. and will your children still be financially dependent upon you, whilst gaining further qualifications?
We can help you ensure that giving your children a good start doesn’t lead to your own financial ruin. Read more about financial planning for school fees.
Advice on deposit accounts
If you have large sums of money on deposit you may want to spread that across many different institutions to ensure protection is in place but you also want to achieve the best rates available. We can help you with cash management services that meet your liquidity, return and protection needs.
More advanced investment solutions
We can help with offshore investments, useful in many situations including but not restricted to: individuals who expect their marginal rate of tax to fall due to impending retirement or becoming non-resident in the UK; investors entitled to an age related allowance; expats investing to avoid UK tax while non-resident; Trustees.
We have expertise in Venture Capital Trusts (VCTs) and the Enterprise Investment Scheme (EIS). These schemes provide considerable tax reliefs suitable for some investors.
The value of investments and income from them may go down. You may not get back the original amount invested.
Tax treatment is based on individual circumstances and may be subject to change in the future.
