FINANCIAL SERVICES

Our recommended independent financial advisers, Bensons Financial Ltd., can advise on a wide range of investments and financial solutions for individuals (resident in the UK) and UK Companies, with the benefit of our own knowledge of your affairs.

They are regulated by the Financial Services Authority and are authorised to advise you on almost every area of financial planning. They are totally independent and therefore free to suggest tailored solutions without any obligation on your part.

These are some typical scenarios where financial services are usually required -

Money saved, or received from an inheritance or windfall

How do you re-invest a lump sum of money to maximise income or growth or a combination of the two? How do you make an investment in shares without having to take very high risks?

Retirement

Various options arise at retirement, e.g. do you take any available lump sum? Do you need to pay into an AVC or Free Standing AVC? If you have a money purchase fund, do you buy the annuity or do you take income drawdown? If pension planning is still in its early stages, do you need to pay higher to pay into an AVC? Is your fund performing well enough?

Will planning

Do you have an estate which will attract inheritance tax? If so, how can you try to mitigate this liability? Is your family protected if you die prematurely?

Business planning

Are you aware how the Government's stakeholder legislation affect you as an employer? Have you made provision to continue the business if one of the directors or senior people is not able to do their job? Are you helping to reduce your tax bill by contributing to a pension?

Buying your home

Do you have sufficient or any provision to repay any mortgage at the end of the term?
Do you need help to find a good mortgage at a competitive rate of interest?

Divorce

Will you have sufficient pension provision if you have to give up some of it for your ex-spouse? How do you get the best price for your endowment if this has to be surrendered?



The information and opinions contained herein are for general guidance only and not intended to constitute legal or professional advice. The information should not be relied upon or treated as a substitute for specific advice relevant to individual circumstances. Clayton Mott shall have no responsibility for any loss that may arise out of reliance on any material contained herein.