Life in our 40s and 50s can be full of surprises and milestones: your children might be moving into higher education or trying to get on the housing ladder and become financially independent; your own careers may be well established and your disposable income rising.

Taking advantage of our premium service will mean that we continue to take an active role in your financial planning as you move in to the higher and additional rate income tax brackets. We will be there to ensure that you understand the tax benefits and impairments of your different investment “wrappers” and that your contributions are made in a tax efficient way.

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Your Pension

This is the time to ensure that your pensions and savings are on track and you should start to think carefully about the lifestyle that you want in retirement. We have helped countless clients who are in this stage of life and we can help you too.

It doesn’t take long to feel overwhelmed by the many things that you need to think about: When can I afford to retire? What happens if I’m forced to finish work earlier than expected? Under what circumstances are tax rebates on pension contributions available? How big does my pension need to be to provide me with enough income? How should it be invested in the meantime? What is the “personal allowance trap” and how do I avoid it?

Of course, the questions aren’t the same for everyone, but we know what is appropriate in each set of circumstances and we will take the time to understand your individual situation so that we can guide you. Adding this professional expertise to your financial decisions at this stage of life can transform your future and give you the peace of mind that you have a plan in place.

Your ISA & Savings

As milestone birthdays approach, the next generation are getting married and grandchildren are arriving, it’s a time of big expenses. As long as you get a five-year head start and you have at least a couple of hundred pounds a month to spare, then there is a lot that can be achieved. We will show you the potential of a structured savings or investment plan that harnesses the power of “pound cost averaging” and “compound interest”.

As your income peaks, we will make sure that where possible, your savings are protected from any reduction in your “personal savings allowance”. We will make sure that you use the right financial products to suit you; they will be set up to provide access to the money when you need it. We will advice on the best investment strategy to match your feelings about risk and your growth objectives.

An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.

Your Protection

Some insurance products can be fairly straight forward but in order to get the best value for money it is important to source the right level of cover for your individual circumstances.

Ken and James are here to help you navigate this complex world. We help you quantify the likely costs associated with potential catastrophies that your family or business might face…more We will take great care in our discussions around the potential implications of death, long-term illness and injuries on your finances and how we can best protect your standard of living.

There is a vast array of insurance and assurance products available: some will provide increasing cover, others decreasing; different policies pay out for different things, at different times and to different people; some pay outs will get tied up in probate and could be liable to inheritance tax, others will pay out immediately to pre-determined beneficiaries with no tax implications; some premiums go up every year and others stay the same. We are here to help; we do the leg-work and create a solution that offers value for money and is designed to meet your individual circumstances. We will make sure that you understand what cover is being provided, how and when benefits will be paid, and what the premiums will be and whether or not they will change.

Your Mortgage

Some mortgages can appear to be fairly straight forward but in this ever-changing sector it is important to know which products are going to suit your specific circumstances from the outset. We know which providers are more accommodating to the self-employed; which ones make it easier to extend your repayments into retirement; which ones take pension contributions off your income and which ones include them. Having this knowledge will prevent you from wasting time seeking agreements in principle from lenders that are less likely to favour your situation.

It can be soul destroying and potentially disastrous to your property purchase if underwriting issues crop up, or a problem emerges with the selected mortgage weeks or even months into the process.

Our experienced mortgage and protection specialist, Mike Povey, is here to help you navigate this complex area.

He will guide you through a 5-stage process outlined here and make sure that everything runs as smoothly as it can.

Your home may be repossessed if you do not keep up repayments on your mortgage.