Making sense of your planning objectives and finances requires more time and effort in today’s constantly fluctuating economic environment. Our ongoing approach to wealth management and financial planning we offer helps you plan and achieve your financial and lifestyle objectives, in the most tax-efficient way, within your desired timescale with the appropriate amount of acceptable risk. We provide expert financial and wealth management advice with a dedicated approach to our client service and financial solutions tailored to your specific needs. There is no substitute for personal advice. Wealth isn’t just about your needs, it’s about your aspirations and values too. We provide wealth structures that will protect your estate, now and for the future.

 

ISAs

 

An Individual Savings Account (ISA) is a tax wrapper available to residents of the UK. By using an ISA you can invest in cash or longer-term investments such as stocks and shares or insurance and not pay tax on most of the income (this is why it is called a tax wrapper). There is no capital gains tax to pay on profits either.

 

COLLECTIVE INVESTMENTS

 

A collective investment scheme is an arrangement that enables a number of investors to 'pool' their assets and have these professionally managed by an independent manager. Investments may typically include gilts, bonds and quoted equities, but depending on the type of scheme may go wider.The two main ones are Authorised Investment Funds (AIFs) - the collective term for authorised unit trusts (AUTs) and open-ended Investment Companies (OEICs) - and unauthorised unit trusts (UUTs). The main distinction for unit trusts is whether or not it is authorised by the Financial Conduct Authority (FCA). Open-ended investment companies can be set up in the UK only as FCA-authorised collective investment schemes, and there is no UK resident unauthorised equivalent. Authorisation in turn determines to whom schemes can be sold and in what assets they can invest. Authorised investment funds are treated differently from Unauthorised Unit Trusts for tax purposes

 

 

If this an area you wish to take advice upon please contact us

 

Retirement and Investment experts covering Staffordshire Shropshire Derbyshire and Cheshire.

If you need financial advice we may be able to help in planning your financial future, we have provided quality goal driven financial advice for many years and have many satisfied clients who trust us to take care of their financial plans for retirement and also investment planning needs. Our financial adviser Roderick Hopkins is Highly qualified and has over 25 years experience in financial services and has earned an enviable reputation for providing sound financial advice.