Investment/ savings

• ISAS

The recommended sporting for most portfolios. Generous tax benefits and a wide choice of investment options means you have a let of control on your funds. We can provide the necessary guidance.

• Bonds
• onshore

Up to 5% per year can be withdrawn over 20years, without paying any income tax. Initial investment is guaranteed on death. Wide range of funds to give control. Ideal for tax planning.

• Offshore

Charges a bit higher, but taxes at source lower. May be beneficial over longer periods, or for people earning money overseas, or who plan to retire abroad. Otherwise source as onshore.

• Premium Bonds

Poor value we think

• National savings.

• Unit Trust / OEIC

Whole universe of pealed funds, managed by Investment Companies. Very popular with UK investors. New facilities available to simplify the administration of these.

• Investment Trust

Manager can invest in other investment companies, and can borrow (gearing). Can have lower charges than Unit Trusts/ OEIC’s.

• REITS

Real estate investment trust. Exciting new feature of UK investment landscape. Proved higher level of both growth as well as income in other parts of the world. Best to use provider with experience, scale and spread.

• Children’s Savings
• Pensions

Yes! Children can have up to £3,600 gross with a pension plan and receive £792 from the tax man. The long term compound growth potential is phenomenal, due to the early start, plus tax relief. Ideal for parents. Can invest regularly or single amounts.

• Life Assurance

Yes. You can guarantee your children a large fund, by placing a simple Whale of Life plan in trust. All you have to pay is the premiums. You don’t have to build a business, rely on the stock market, save up, buy property. Simple wealth creation.

• Regular Savings Plan

Can be placed on child’s own name, and funded by parents, or relations. Set to mature 10years onwards.

• Child Trust Fund

Useful little sum. Could grow to decent amount, if there is a good return.

• School / University fees

Project and prepare, avoid nasty shocks.

Pension / Retirement

• Personal Pension
• Stakeholder
• SIPP
• Exciting world of Self Invested Pensions. You can now take advantage of new rules, to diversify and boost your retirement income and lifestyle, with generous keep from the Inland Revenue (HMRC). You may be able to get tax assisted investment in land, property, and exchange traded funds among many other things.
• Annuities
• Various ways to arrange benefits. Considering health, social security, marital status, other financial arrangements.

Mortgages + Loans

• Buy to let
• Landlord’s Insurance
• Limited companies
• Portfolios
• Commercial mortgage (shop + office, professional practice 100%)

• First time buyer
• Shared Ownership
• Right to buy
• 100% Mortgage

• Personal loans
• Secured Loans