07985 745826 jtibble@aspirefp.co.uk

Financial Advisor Gloucester

Services We Offer

Financial Advisor Gloucester

Protection

Who will look after your family if you are not there? Who will pay your mortgage? Who will pay for your children’s education? Protecting your family should the worse happen can be less expensive than insuring your car. You may already have protection policies in place but are you sure they offer good value for money and are appropriate for your needs?

 

Pensions*

When our earned income stops , there is a clear need for continued income from somewhere. This will normally involve using the income and capital sums earned during our working lives to save a sufficient body of capital on which we can then draw upon to fund what should be the longest and best holiday of our lives!

Modern personal pension plans are simply very useful and crucially tax incentivised structures that can be used to save up money far more quickly that non-incentivised structures due to the extra inputs from HMRC.

It is vital that you take professional advice before accessing your pension savings. I can inform you about all the options and after a detailed assessment of your individual needs I can recommend the most appropriate solution.

Saving for your retirement in a pension fund now makes more sense than ever before.

*The value of your pension investments can go down as well as up, so you could get back less than you invested. Inflation will reduce how much your income is worth over the years. A pension is a long term investment. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Savings and Investments*

Savings

I can help you to form a plan for long, medium or short term savings. The best way of saving up for expensive things, like a holiday, furniture, or a special family occasion is to regularly put a little away, let me help you achieve your goals.

Investments

Investing for the longer term means taking a risk by investing in assets that could rise or fall in value. All investments carry risks, but putting your money in a range of different investments and asset classes can help reduce any potential losses.

  • ISAs (Individual Savings Accounts)
  • Junior ISAs
  • Discretionary Fund Management
  • General Savings Plan
  • Offshore Investments
  • Unit Trusts
  • Investment Bonds

*The value of your investments can go down as well as up, so you could get back less than you invested.

 

Inheritance Tax Planning*

The increasing value of the family home means that more and more “normal” families are being caught out by Nil Rate Band which is only £325,000 per person or £650,000 for a couple.

Simple planning and strategies can help mitigate or even remove a potential IHT liability.

I can help!

*The Financial Conduct Authority does not regulate Inheritance Tax Advice where there is no investment element.

 

Funding of Long Term Care 

With an ageing population, the provision of long term care has become a real issue and family inheritances are often significantly depleted by having to fund Care Home Fees over an extended period of time.

Entitlement to and the cost of Care Home provision are complicated issues which are often misunderstood. This is a specialist area and I am authorised to provide advice on the subject.

 

Equity Release*

Equity release provides a means for those in, or close to, retirement to release cash from their homes. Amounts released can be used for almost any purpose, and can be a good way of improving the quality of life in late years.

This is another area where specialist knowledge and expertise is required.I have been providing guidance and advice on Equity Release for a number of years.Equity release can be a perfect solution for some people but for most, it is usually not the most appropriate option.

*Equity release may not be right for everyone. It may affect your entitlement to state benefits and will reduce the value of your estate.

 

Mortgages*

Buying a house can be an exciting but also daunting prospect. I can offer Impartiality, experience and product knowledge. Having an experienced mortgage broker to help you through the process can save you stress, time and money.

*Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

Get In Touch!

I can offer you a flexible appointment at a time and place to suit you. Getting in touch is quick and easy and there are absolutely no obligations.

Financial Advisor Gloucester

Please call: 0844 870 3333