Tailored Financial Planning:

Integrated within yourfuturedirection ™ programme are a wide variety of bespoke services. If you are seeking specific and/or focused advice on just one or two areas of financial planning, the list below introduces areas where we can help and assist you. We will tailor and control the advice we supply to just those particular areas you want to plan for.

Cash Flow Management:

• Will help you to understand and model the impact of different financial changes and assumptions on your cash-flow and the achievement of your life goals.
• Your Financial Planner can provide guidance by making the most of your day to day budgeting and enhance your capability of achieving your desired goals.

Retirement Planning:

• We will take the time to understand and help you clarify your income and capital needs in retirement.
• We will undertake a detailed assessment and review of your existing provisions including what benefits may be due from State Pensions and project these forward.
• We will establish if there are any shortfalls in your retirement plans and if so Your Planner will help you explore your options and agree a strategy for bridging any gap.

Estate Planning:

• Will help to ensure that people you intend to receive the benefit of your estate on your death do so.
• We will show you how the people you trust can manage your finances if you become mentally or physically incapable of managing your own affairs due to illness or injury.
• We can show you how to structure your financial situation so that your assets can pass to your beneficiaries with the least amount of Inheritance Tax being incurred.
• We will assist your solicitor and executor with the settlement of your estate upon death. We will support your family and help them deal with issues

Investment Planning:

• We will help you understand your investment objectives and asses and agree your attitude to risk
• Evaluate whether your current investments are in line with your attitude to risk and likely to help you achieve your objectives
• Agree an  appropriate strategy which you are comfortable with, to meet your  investment objectives
• We will review your investment strategy, giving ongoing consideration of your attitude to risk and ensure that it remains appropriate given your objectives and circumstances.

Tax Management:

• Your Financial Planner will help you make maximum use of tax efficient investments within your financial plan.

Family & Personal Protection:

• Will help you to understand what is required to ensure your family is protected from the financial effects of death, incapacity and serious illness.

Business Protection:

• We can help you evaluate the needs of your business to protect itself against the impact of death or disability to key staff, to ensure it’s cashflow, profitability and ownership are secure through such potential events.

Remuneration Planning:

• Where appropriate, in consultation with your accountant, we can show you how to restructure your remuneration and salary package in order to minimise tax, improve your cash flow and achieve your planning needs cost effectively.