Investments

Whether you want to consider regular savings or lump sum investments, we can provide advice on both. With your objectives in mind, we aim to provide investments matched to a level of risk you are comfortable with and help you to understand the returns you are likely to receive. With investing for income or growth, we will not only provide initial advice but where needed, provide an ongoing review service to ensure your plans remain on track.

Family protection

For the majority of people, we find that the most important things in their lives is their family. We want to help you to protect them and yourself in the event of any untimely death or serious illness.

Having a young family ourselves, this is at the heart of what we do and we are always happy to review your existing plans to ensure they are sufficient to provide for your family.

Inheritance Tax

We understand that you don’t want to spend all of your life working to be comfortable for your family to benefit from your hard work, only for them to see further taxes on death.

We will work with you and your family to either plan to reduce your liability where appropriate or to put plans in place to make sure that the bill can be paid.

Retirement planning

One of the most common questions we get asked is ‘how much money do I need in my pension pot?’ The answer to this is that everybody is different! What we aim to do is to help you to understand what retirement could look like and how you can affect that. This, together with our advice and tailored solutions aim to make it a much more comfortable journey reaching retirement. Whilst pensions form a key part of this, we understand that retirement planning is much more than just a pension and we will look at how other assets and investments can contribute towards your retirement plans.

mortgages

We love that we get to share in one of the most exciting times of peoples lives when they are looking to buy a property. From start to finish, we will guide you through the process and make it as simple as possible, taking as much of the burden as we can.

We also help people with remortgages, saving them huge amounts of time and effort in searching the market for not only the best rate but a mortgage that will suit them.

AT RETIREMENT

Possibly the most daunting time of our lives, not only do we want to help people save for their retirement but also help them when they reach this milestone.

We will help you to consider the most tax efficient ways of accessing your money along with preserving the capital you have accrued, whilst also trying to meet your income needs. We understand that it is at this time that you are likely to need the most advice and we thrive on spending the time with you to help you understand all of your options before making any decisions.

Business protection

The last thing most self employed people want to do is to spend all of their time growing their business to see it disappear through no fault of their own. We can show you how to protect your business in the event of the death or illness of either yourself or a key member of staff.

Kate’s previous experience as an accountant means we are in an excellent position to consider all aspects of this and are happy to work with your own accountants to do so.