Our Services

Protecting you and your family

Ensuring your mortgage is paid off in the event of your death or serious illness.
Ensuring your and your family’s lifestyle continues in the event of death or serious illness. These days mortgage costs represent only a small proportion of a family’s outgoings – we’ll help you to decide what you need to protect.
Ensuring you can continue to have a good quality of life should you suffer a serious illness, so you can concentrate on getting well, and not on how to meet your monthly bills.

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Pre & Post Retirement Planning

From simple stakeholder plans to the more complex self invested personal pensions, we have a range of flexible options to suit your situation and objectives. The key issue is to plan for your future and not delay. We will take you through the decision process and create bespoke solutions for you.
Many people find themselves in poorly performing pensions. We can help you through the maze of information required to make your decision as to whether it is in your best interests to switch your pension to another provider.
Annuities
We’ll talk to you about the options that you have available, and then search the whole of the market to ensure you receive the best deal for the rest of your life.
Ensuring you can continue to have a good quality of life should you suffer a serious illness, so you can concentrate on getting well, and not on how to meet your monthly bills.
This is an alternative option to taking an annuity and is growing in popularity. While more complex than annuities, many people believe this option is favourable due to the flexibility it offers.
It is important to consider both the advantages and risks attached to the options you have and we can help you decide what’s best for you.

The Financial Conduct Authority does not regulate taxation advice, trusts or will writing.

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Savings and Investments

We aim to make your life smoother whilst making your money work harder for you. We are here to help you save and make money in the most transparent and cost effective way.

Our first step is to understand what your objectives are, your timescales, and to assess your attitude to risk so we can develop long term solutions to achieve your objectives. These will include:

  • Making sure you have enough money to fall back on in an emergency and to give you security
  • Individual Savings Accounts (ISAs)
  • Investment Bonds
  • Unit Trusts

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Inheritance and legacy creation

Inheritance Tax (IHT)
To ensure your estate passes intact to those you choose, it is important to take decisions throughout your life time to make sure it reaches the right people at the right time.
These essentially mirror the issues found in peoples personal lives. They are often overlooked, or not even considered by the majority of businesses.
We will help you to determine what issues are important to your business and design solutions to meet them.
Our service includes advice on:

    • Investments & Trusts
    • Gifts
    • Inheritance Tax Mitigation
    • Utilising HM Revenue and Customs allowances and reliefs

HM Revenue & Customs practice and the laws relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

The Financial Conduct Authority does not regulate taxation advice, trusts or will writing

 

The Financial Conduct Authority does not regulate will writing and taxation and trust advice.

Business Protection & Planning

Running a business today is more than a full time job. Employers and business leaders are expected to take greater responsibility for employee well-being.
As a Director it is also important that you look after your own increasingly complex personal financial affairs.
These essentially mirror the issues found in peoples personal lives. They are often overlooked, or not even considered by the majority of businesses.
We will help you to determine what issues are important to your business and design solutions to meet them.

These will include, but are not limited to:

    • Keyman Insurance
    • Shareholder Insurance
    • Company Wills and Cross Option Agreements
    • Company Pension Schemes
    • Employee Benefits
    • Tax efficient means of rewarding key staff and directors

To achieve the above we will work in tandem with your current tax advisor.

The Financial Conduct Authority does not regulate taxation advice, trusts or will writing.

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The Financial Conduct Authority do not regulate employee benefits and cross option agreements.

Will writing is not part of the Quilter Financial Services Offering and is offered in our own right.

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