14 Key Guides

We developed these guides to address the key areas that our clients will need to consider when they’re planning for their future.

The guides cover the broader issues; we’re happy to discuss any of these subject areas with you and how they relate to your individual circumstances.

Business Succession Planning

If you are a business owner, business succession planning and insurance is important. It is quite simply the process of planning for what you want to happen if you (or co-owner) were to die or fall seriously ill.

Drawing from your pension

As far as possible, you should build flexibility into any plans you make. As expert financial advisers, we are well versed in the many complexities of retirement planning. Get in touch to see how we can help.

Financial Protection

Life insurance protection underpins most good financial planning. The right insurance can ensure that if the worst should happen, the right amount of money will reach the right hands at the right time.

Investing for Children

Most parents want to help their children financially, whether it is making sure there is enough money for their education or helping them to buy a property.

Investing for Income

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.

Investment Planning

Investment planning is now more of a science, rather than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged the more scientific approach.

Key Stages of financial planning

The aim of this guide is to explain the process in general terms and what financial planning can achieve for you. Some of the important recent changes to pensions and ISAs have made the need for financial planning even more crucial.

Living Abroad

While the thought of going abroad to work or retire may be exciting, the months before departure may be stressful.

Pensions & Tax

If you want to reduce the amount of tax you pay, then the solution is in your own hands. Thinking and planning ahead could help you to lessen the rising tax burden.

Tax on Investments

The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen to tax different sources of investment income in different ways.

Workplace Pensions

Automatic enrolment has ‘changed the UK workplace forever,’ according to the Pensions and Lifetime Savings Association. Over six million people have started to save via a workplace pension as a result.

You and Yours - Estate Planning

For many people, estate planning is pushed to the bottom of the ‘do later’ list, like tax returns. Estate planning is also a subject that requires you to contemplate your own demise and none of us expect to pass away tomorrow, so deferral easily sets in.

Taxation of Property

Recent tax changes and tighter lending rules have had a negative impact on the buy-to-let market. This means that anyone thinking of becoming a landlord in future will need to carefully consider the pros and cons, especially when it comes to tax.

Saving For Retirement

Retirement is something most of us look forward to − particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.

Business succession planning

The issues facing businesses when the owner or co-owner dies or becomes seriously ill.

Financial protection - for you and your family

Making sure that your family have the funds they need if you die or are unable to work.

Investing for children

How to help your children in their formative years – from providing for their education to buying their first home.

Investing for income when you retire

Considers the decisions you’ll have to take as you approach retirement, and your options.

Investment planning and asset allocation

Looks at some of the issues that will help inform the way well define your investment strategy and portfolio.

Living abroad - the main tax rules

Information for clients who are considering working or retiring outside of the UK.

Pensions and tax planning for high earners

The tax issues facing high earners and how they can successfully use the tax advantages of pensions.

Drawing from your pension

The relaxed rules on pensions freedom impacts on many people approaching and in retirement.


The key stages of financial planning

The financial planning process and how following it can help you achieve the results you desire.