Personal Financial Planning

Cash Reserves

This is the money you may require for any short term needs such as an emergency or unforeseen expense. A general rule of thumb is to hold a minimum of three months' normal expenditure in cash reserves, however, individuals who are self employed may need to hold more.

Protection

Nobody knows what the future might bring but you can make sure that you and your loved ones are protected against potential financial losses as a result of death, disability or the need to meet medical or care fees expenditure. With access to the whole market, our advisers can provide the most cost effective solutions for your needs, quickly and effectively.

Investments

We usually need to save and accumulate investments if we are to achieve our medium to long term financial objectives. The key to a successful investment strategy, including pension investments, is asset allocation, that is, the spread and balance of investments held in your portfolio. Having the right asset allocation is one of the foundations of good financial planning and involves assessing your attitude to risk and identifying your financial needs and objectives.

Tax

Effective financial planning involves ensuring you don't pay more tax than you need to whilst making the most of any appropriate tax saving incentives. Our advisers include consideration of your tax position in their recommendations.