Our Services
Personal Financial Planning
Financial planning can benefit everyone. Not only can it help you protect and build your assets, it can help you to make the most of your investments and help secure you and your family’s long term future.
Personal Financial Planning — Read more
North Star portfolio management theory & process
Financial Planning often means making use of an existing capital sum or building up a capital sum to meet a future objective. Planning is fundamental to the success or otherwise of the plan.
Investment management — Read more
Investment philosophy — Read more
Personal and Family Financial Protection
There are so few certainties in life and none of us can be sure of what the future holds.
Most people are aware of the need to have life assurance if they have dependants but many are unaware of other considerations and areas of cover. Income protection insurance is available and will pay you an income if you are ill and cannot work. You can also have cover that provides a lump sum if you are diagnosed as suffering from one of the specified conditions in a critical illness policy.
Financial protection — Read more
Retirement should be something that we all look forward to; a time to reap the rewards of a lifetime of labour.
It is one of those things we all think about from time-to-time but don’t often consider properly in financial terms. But the simple fact is, if you want to maintain your standard of living later in life, the sooner you start planning for retirement, the better.
Pre retirement planning – Read more
Your Options At Retirement
There may be more flexibility with your pension than you think. Normally from age 55 you will have the opportunity to take up to 25% of the pension tax free, and a choice over how you draw the rest, which is taxable.
You can select a secured income, a variable income or a combination of the two whether with an existing provider or new.
Whatever your needs, we will help you to understand the options and select an approach to meet your life in retirement needs.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.
Pensions are a long term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change therefore the tax treatment of pension benefits can and may change in the future.
Estate planning involves tax, but it encompasses much more. As with most tax planning, the key is to identify the objectives and goals; who should benefit after death, what should they receive and what is the most tax efficient method by which this can be achieved.
Inheritance tax and Estate planning — Read more
Buying a home may well be one of your biggest financial commitments. It can also seem one of the most daunting.
The UK mortgage market is currently in a great deal of turmoil, and it has never been more important than now to know exactly what you require. There are hundreds of lenders and thousands of offers to choose from.
Mortgage Advice — Read more
Business Financial Planning
Businesses will often make a significant investment into an employee benefits package to aid with the recruitment, retention and reward of valued employees.
It is important that the benefits are relevant to the profile of company and staff, that benefits are valued by employees and that benefits are communicated appropriately.
Employee benefits and financial planning — Read more