Our experts can create a full financial plan that covers all of your goals and requirements, no matter how complex your financial situation is. All of the advice we give will be tailored to your individual circumstances and priorities, from achieving your retirement goals to managing an inheritance tax bill, while taking into account your complete financial situation.

We will look at every aspect of your finances to understand how advice in one area may affect or depend on others. Your financial plan may cover:

• Retirement planning and pensions
• Estate planning and inheritance tax
• Investing for children
• Planning for later life care
• Protecting your family’s finances

Tailoring your financial plan to your personal tax situation can help you to achieve your aims and goals. We will work with you to ensure that you are making the most of the available tax allowances and will structure your finances as tax-efficiently as possible.

When creating your financial plan, we use cashflow modelling to forecast your future finances. This involves taking details of your current income and expenditure, along with your plans for the future, to see if you will have enough money. It can also help to answer other questions such as:

• Will I leave behind an inheritance tax bill?
• Can I bring forward my retirement?
• Will my family be financially secure if I become ill or die?
• Can I afford to spend or give away more money?
• How much money do I need from the sale of my business?

Investments may form an important part of your financial plan. Our investment managers can manage your investments for you or give you advice on all your investment decisions. Our financial planners and investment managers can work together to ensure your investment portfolio continues to reflect your wider financial goals.

As your priorities and circumstances change over time, your financial plan should too. You can meet your financial planner for a formal review every year but you should also review your plan whenever there is a significant change in your life, for example:

• You get married or divorced
• A child is born or adopted
• You start or sell a business
• You or a family member becomes ill
• Someone close to you dies
• You receive a substantial inheritance
• You change jobs or retire

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