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Personal Investments

Even the most financially astute people need guidance and we can provide expert help, whether you are looking to invest in ISA’s unit trusts, Open Ended Investment Companies (OEIC’s), Investment Bonds.


Perhaps you are looking to make complementary investments to your pension planning in view of the reduced Lifetime Allowance and Annual Allowance restrictions, then we can look at Enterprise Investment Schemes and Venture Capital Trusts for you. For our younger clients, you may want to consider the new Lifetime Individual Savings Accounts (LISA) which comes into play April 2017.



Children’s Investments

If you are looking for tax efficient investments for your children or grandchildren then you might want to consider Junior ISA (JISA’s) or for those wanting to help with future retirement plan then consider a Stakeholder Pension.



Inheritance Tax Planning (IHT)

With the Nil Rate Band (NRB) been frozen at £325,000 since 2009, we are finding many clients who are caught by this tax and are unaware of its implications. There are many schemes available to help avoid IHT, whether it is a Whole of Life plan written under trust or an Investment Plan written in Trust. To complicate matters further, the new Main Residence NRB comes in play on the 6th April 2017.




We have years of experience working alongside solicitors, attorney’s and deputies to help devise investment plans for beneficiaries of trusts. By drawing on our expertise we can help trustees ensure the best outcome for their clients.




For any clients going through divorce proceedings, we can help with pension splitting and future investment planning.


We can also help protect maintenance payments through the careful use of Family Income Benefit policies.



Personal Injury Settlements

In conjunction with solicitors, we have helped many clients invest for income and growth as a result of Road traffic accidents and accidents at work. This can be a complicated area where the pitfalls can catch out the unwary.

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