| Topic |
Title |
Description |
| Financial Navigation |
Case Study:
financial navigation service |
This case study shows how the Financial Navigation
service worked in practice for a business owner looking to develop
a financial strategy for his personal finances. |
| Financial Navigation |
Components
of a financial plan |
Our financial navigation service is a comprehensive
financial plan designed to give you the truth about your financial
situation. This leaflet explains how the plan is made up and what
this means to you. |
| Financial Navigation |
Principles
of financial planning |
This leaflet explains the process that we go through
in our financial planning service. The service is designed to allow
you to take control of your finances so that you know what to expect
in future years. |
| Financial Navigation |
Lifetime cashflow forecasts |
This leaflet explains the how lifetime cashflow forecasts
enable us to predict your financial future based on assumptions about
your finances. We can then tell you the truth about where your finances
are headed, and more importantly solve any problems with this. |
| Financial Navigation |
The Financial Health
Check service |
This service aims to tell you the truth about how your
money works for you. It is a comprehensive plan which shows where
you are now with your finances, and more importantly when you will
run out of money. The ultimate aim is for financial independence,
so you can choose not to work if you want to, and do the things you
really want to do. |
| Inheritance tax |
Avoiding
inheritance tax |
Some ideas on how to avoid paying inheritance tax |
| Inheritance Tax |
Inheritance tax |
This takes into account the changes to inheritance
tax announced by the Government in the statement issued 9th October
2007. This is of interest to married people and those in civil partnerships
as this effectively doubles their inheritance tax threshold. |
| Inheritance Tax |
Inheritance tax
insurance |
How taking out an inheritance tax insurance policy
can help to pay for your liability to inheritance tax. |
| Investments |
Case study:
portfolio management service |
This case study shows how the Portfolio Management
service works in practice, and shows an example of a client who we
worked with to help generate better returns for his money over time,
as well as greater understanding and control for the client. |
| Investments |
Ethical Investment |
How ethical funds work to enable you to invest according
to your beliefs. |
| Investments |
Fund Supermarkets |
Fund supermarkets enable you to invest all your money
under one platform, saving on cost and administration. You can then
choose from virtually any investment fund manager, thus giving you
the best chance to get decent returns on your money. |
| Investments |
Investing for
the long term |
The general principle of investing is that over time,
especially the medium to long-term, the stock market should outperform
other assets such as bank or building society accounts. However, many
people also realise that investing in shares can be risky, and this
is often demonstrated by attention grabbing journalists shouting about
drops in share values. This leaflet aims to explain how investing
in the stock market for the long-term should generate superior returns.
|
| Investments |
Investments for children |
The main issues which surround investing for children.
It lists reasons why you would save for your children (such as university,
weddings or school fees), and also investigates the main tax-free
schemes for children's savings, such as Child Trust Funds. |
| Investments |
Investment risk |
How we help you to establish what level of risks to
take with your pensions, investments and savings. It also explains
how to diversify your portfolio. |
| Investments |
Individual Savings Accounts (ISAs) |
The complicated rules surrounding ISAs, and how the
accounts will change after October 2009 for those aged 50 and over.
|
| Investments |
Our investment process |
The process that we go through when advising on investment
portfolios. We take broadly the same approach with each client so
that we can ensure quality and consistency of returns. |
| Investments |
Pensions v ISAs |
Most people realise that pensions and ISAs are both
tax-efficient wrappers into which you can save your money. However,
there is often debate over which is the best vehicle for your savings.
This leaflet examines some of the pros and cons of these wrappers
and the benefits of using one versus another. |
| Investments |
Regular savings |
Most people at some point decide to save their excess
cash, whether this is for an emergency fund, or for a specific purpose
such as a special event in the future. This leaflet aims to give you
a brief introduction into why you should save, plus the various options
on the market, so that you can start to work out which would be best
for you. |
| Investments |
Sudden wealth |
Some of the main sources of sudden wealth, such as
the sale of a business, an inheritance, divorce, legal claim, critical
illness, lottery win etc. We then explain some of the pitfalls associated
with sudden wealth, and how we can help you to manage your money to
achieve your goals. |
| Investments |
The Trustee Act 2000 |
The Trustee Act imposes a duty of care on trustees
to ensure that they properly review and diversify investments which
are held within trusts. |
| Long Term Care |
What you need to know about
long term care |
The general rules on long term care for nursing homes |
| Mortgages |
Mortgage exit
fees |
How lenders have been forced to stop increasing their
exit fees for clients paying off their loans early. Lenders have agreed
to stick to their original fees, and this leaflet shows how to reclaim
back excess fees. |
| Mortgages |
Offset
Mortgages |
Offset mortgages can be a great way to reduce the term
on your mortgage by using your savings or overpayments to save interest. |
| Mortgages |
Paying off
debts early |
How making overpayments on your loans and credit cards
can save you thousands of pounds in interest, even with relatively
small amounts paid. |
| Mortgages |
Types of mortgage |
Information on different options you can choose when
taking out a mortgage. |
| Mortgages |
The mortgage
process |
How the process works when obtaining a mortgage and
buying a home. This is especially useful for first time buyers. |
| Mortgages |
The risks
of buy to let |
Information on some of the risks of buy to let investment.
Care should be taken in this area, as you can expose yourself to too
much risk without first examining the pitfalls. |
| Pensions |
Contracting out
of the second State pension (S2P) |
Information on what it means to contract out of the
second State pension, and whether it is advisable to contract back
into the State scheme. |
| Pensions |
Company
stakeholder pensions |
All companies with 5 or more employees should have
a stakeholder pension scheme for their staff, unless they meet certain
exemptions. This leaflet explains which companies need to set up schemes,
and how to comply with the regulations. |
| Pensions |
Pensions Reform |
The main provisions of the legislation, effective from
2012, which requires employers to pay in 3% of an employee's earnings
to a pension scheme; employees will be required to pay in 4%. |
| Pensions |
Pensions
and divorce |
How pensions are treated when divorce occurs. A pension
can be a major asset in a marriage, and needs special attention when
a couple splits up. You should also consider the financial implications
of any decisions. |
| Pensions |
Pension transfers |
Why you should consider reviewing existing pension
schemes with a view to transferring them to a new provider, a little
like a remortgage. This can save you charges, allowing you to boost
your retirement income, and also give you more flexibility and fund
choice. |
| Pensions |
Pensions v ISAs |
Most people realise that pensions and ISAs are both
tax-efficient wrappers into which you can save your money. However,
there is often debate over which is the best vehicle for your savings.
This leaflet examines some of the pros and cons of these wrappers
and the benefits of using one versus another. |
| Pensions |
Personal Pensions |
Why you should save for retirement, and how personal
pensions can help with this. |
| Pensions |
Property
investment in SIPPs |
How to use a SIPP to putchase commercial property. |
| Pensions |
Releasing
cash from your pension |
This leaflet explains how you can release up to 25%
of your pension fund if you are over age 50, without needing to take
any income. |
| Pensions |
Retirement
decisions |
The basic options open to you at retirement, and why
this is important. |
| Pensions |
Self-invested personal
pensions (SIPPs) |
What are self-invested personal pensions, or SIPPs?
These are pension plans which allow an extremely wide investment choice
for sophisticated investors such as those wanting flexibility of income
in retirement, or company owners wishing to buy their business premises. |
| Pensions |
Sudden wealth |
Some of the main sources of sudden wealth, such as
the sale of a business, an inheritance, divorce, legal claim, critical
illness, lottery win etc. We then explain some of the pitfalls associated
with sudden wealth, and how we can help you to manage your money to
achieve your goals. |
| Pensions |
The state pension
scheme |
How the state pension scheme works in practice, and
what you should expect to receive when you retire |
| Pensions |
Unsecured pensions |
How you can keep your money invested when you retire
so that you can have more flexibility than a traditional annuity.
|
| Protection |
How much
life cover you need |
This leaflet aims to explain the process behind calculating
how much life cover you should have. Many people vastly underestimate
the life assurance that they should have. Ultimately, this could lead
to your dependants having a reduced standard of living should you
die and not be around to provide for them. |
| Protection |
Income protection |
How you can protect your income should the worst happen,
and you are unable to work due to illness. |
| Protection |
Key person
insurance |
How insurance can help a business protect against the
loss of profits caused by the loss of a key employee such as a director,
owner, or technician. |
| Protection |
Protecting
your family |
Why you should consider insuring your life, income
of other areas so that your family is protected should the worst happen.
|
| Protection |
Shareholder
protection |
How businesses can protect against the loss of a shareholder
or partner. Often this area is overlooked, but can have severe consequences
for the business and the family of the person affected. |
| General |
Research tools |
How we use research tools to provide you with all the
facts and to justify our advice to you. |
| General |
Our philosophy |
How we follow a defined process in our dealings with
clients. It gives an overview of the way we work, the different services
we offer, and how we manage research and investments for you. |
| General |
Commission offset |
How commission offset can greatly benefit clients |
| General |
Why
use a fee-based adviser? |
Why a fee-based financial adviser works in your interests,
compared to a commission-based adviser, who tries to sell you policies. |
| General |
Our client log
in service |
How our client log in service allows you access to
all your plans and policies via a secure log in and password. This
service allows you to view all your records in one place , check on
policy valuations and let us know about changes to your financial
circumstances. |
| General |
Financial
Strength |
We explain how we take into account the ability of
companies to meet their liabilities, so we reduce the risks to you. |
