Financial advice for companies in Hendon and North West London

Business protection, key person, shareholder, partnership protection

Businesses may want to protect their key employees within the firm, without whom the business would not function properly. Key person/shareholder/partnership protection can provide a fixed sum should the individual be unable to work or die. The benefit will be designed to cover the firms’ expenses in emergency costs, recruiting a replacement employee, and protecting the future of the business.

Similarly, if a key person/shareholder/director was to die, the firms remaining shareholders/directors may want to purchase the deceased shares from their estate to maintain control of their business. The same scenario applies to partners in a firm.

Retirement planning in Hendon, North West London

The main objective of any retirement plan is the provision of sufficient income in retirement. These days with increasing life expectancy, it is not uncommon for people to live a further 20 or 30 years after they retire. It is essential to undertake the following to achieve your goals;

  • Plan well ahead. It is never too early to start retirement planning. The earlier you start, the greater are your chances of achieving your objectives
  • Maintain balance and flexibility. It is especially important to achieve an appropriate balance between high and low risk exposure so as to maintain flexible options with regard to pensions and investments
  • Seek professional advice, as this can be a complex area

We can help advise you on setting up a pension, and identify the most suitable pension to meet your needs. For those who currently have pensions, we can advise on their existing arrangements when developing their retirement strategies. Your retirement fund does not need to be exclusively made up of pension investments, but could also include other forms of investments such as bonds, property, shares, ISAs and OEIC’s. Our aim is to advise and provide you with an investment strategy that is tax efficient, related to your attitude towards risk, and is sufficiently diversified to protect you from any over exposure to any one market.

Investment advice for companies in Hendon, North West London

When planning your finances it is important to distinguish between savings and investments. Savings are generally funds that are set aside but can be accessed relatively easily and quickly. i.e. a holiday or car purchase.

Investments are designed for the longer term, usually at least five years. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk, and volatility are the factors, which will determine the most suitable place for your savings.

Regular savings/lump sum investments – we offer a choice of plans for investors who wish to save money for the medium/long term. It is our aim to create a comprehensive investment plan for clients looking to save regularly. With a focus on holistic planning, we offer a wide range of investment plans, which include our expertise in the following areas:

  • Savings accounts
  • National Savings and investments
  • Unit trusts and OEICS
  • Onshore and Offshore Bonds
  • Structured products
  • Venture capital trusts
  • Enterprise Investment Schemes
  • With- profit investments
  • Cash & Equity based ISA’s

It is essential that you hold investments that match your personal attitude to risk, and take advantage of your tax status. We believe in the effects of long term-compounded growth and are convinced that steady, consistent returns (net of tax and charges) are a surer way of growing an investment portfolio than trying to predict next years’ market winners.

Remember, the value of investments or income from them, may go down as well as up. The past is not a guide to the future.