Personal & Business Protection

Some risks are easy to identify such as potential damage to your property or business stock or premises.  For businesses the hidden risks, which may lead to loss of profit, or have a serious impact on the future viability of your business, need to be carefully considered.

Gwen will work with businesses to identify the associated business risks and suggest measures to reduce the problems caused by the loss of key staff, partners or directors. 

Retirement Planning and Employee Benefits

Retirement planning is a complex area.

Retirement planning for directors, partners and staff is becoming increasingly significant, especially since the introduction of Auto-Enrolment.

Pensions freedoms, announced in 2015, have created more choice in the way pension funds can be accessed. It is vital that you know the right level of income you will need during your retirement. In addition to reviewing your existing plans, you will benefit from having help to understand the options available that can provide you with the right retirement income and how any shortfalls could be bridged.

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

Investment Planning

There is a vast range of investment and savings options available.  Gwen can help clients explore how they can make the most of their savings and investments in ways the client can understand and be comfortable with.   

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in. 

Inheritance Tax Planning

It is important to plan for Inheritance Tax.  The most important starting point for this is ensuring that you have a valid, up-to-date Will, which in turn might require you to consider the most effective use of tax exemptions. Clients will be helped to identify the most appropriate products or investment vehicle or the establishing of Trusts to protect assets for your beneficiaries.

Reviews

Personal Reviews are designed to bring peace of mind by providing the security of a financial review. The aim is to ensure that your investments, pensions and saving continue to work for you and develop to meet your needs as your circumstances also develop and change.Business Reviews focus on existing pension planning, including auto-enrolment, as well as checking that any existing business protection plans remain suitable. The review will also take into account your future plans.