Protection

Protect your family and your lifestyle in case of the unexpected

Mortgages

Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement

Investments

With so many choices, leave it to us to help make your money work harder for you.

Commercial

We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Inheritance Tax Planning

Inheritance tax planningWide scale home ownership and rising property values have meant that more and more ordinary people are being subjected to inheritance tax every year.

We see this tax as avoidable in many instances - it’s just that clients are not aware of the lawful actions you can take to do so.  

For UK domiciled clients, Inheritance tax (IHT) is currently charged at 40%, and is payable on your estate once your net assets exceed £325,000. You need to understand the value of your estate.

Research by unbiased.co.uk showed that a massive £550 million (due to rise to £595 million this year) was wasted in unecessary IHT payments in 2015* (*pub. Jan 2016)Providing your family with lasting benefits means taking action now!

There are a several different ways of planning to try to eliminate or at least reduce your potential liability.

These include:

  • The writing of a suitable will which is regularly reviewed
  • The gifting of assets during lifetime
  • Using trust wrappers
  • The use of appropriate insurance policies

To find out more read our Guide to Inheritance Tax Planning - Protecting You and Your Estate - or contact Ian Brown for advice. We can also help you with making a suitable will. It pays to understand the value of your estate and we would be happy to help you go through a checklist which will give you an indication of any likely IHT problems

You need to plan ahead to ensure that your assets are passed on to your loved ones as efficiently as possible. 

Estate planning is not regulated by the Financial Conduct Authority.

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan March 2018

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Get all of your questions answered by our experts - call us or complete our online enquiry form to arrange your meeting. The first meeting is at our expense and without any obligation

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