We aim to provide our clients with a lifetime Financial Plan which covers:

• Short term liquidity, making sure cash is available to meet any one-off capital expenditure and regular expenses as required
• Protection of State Benefit entitlement and assistance with claiming benefits as required
• Structuring any annuity or investment portfolio to achieve a balance between the required investment return, an appropriate level of investment risk, tax and cost efficiency
• A programme of regular reviews to keep the strategy on track It may also be very important to make best use of tax allowances and keep costs down. The investment strategy is also crucial and, although it may be necessary to accept investment risk to have any chance of achieving the returns required to assure financial security for life, it is equally important to manage risks and liquidity very carefully.

Our team of specialists hold all the qualifications required and a number of others which are also relevant. Those which are particularly relevant to this area of advice include:

• Chartered Financial Planner
• Certified Financial Planner
• Chartered Tax Adviser
• Member of the Society of Trust and Estate Practitioners
• Investment Management Certificate