Pensions and Investments

Tax-efficient, tailored and targeted savings recommendations

Your pensions and investments

Our pension and investment recommendations will be built around your unique circumstances and your attitude to risk. As independent advisers, we consider the whole market to find the best investment options for your particular situation. Always with an eye on tax efficiency, we ensure tax wrappers are used to best advantage.

Your pensions and investments

Our pension and investment recommendations will be built around your unique circumstances and your attitude to risk. As independent advisors, we consider the whole market to find the best investment options for your particular situation. Always with an eye on tax efficiency, we ensure tax wrappers are used to best advantage.

Savings check-up

If your pension and investment arrangements have been in place for some time, you may not be looking at the best outcome. We start by reviewing your portfolio then talk about more beneficial changes that might be made.

Questions to consider include:

What income can be expected from current arrangements?
Could an alternative approach offer better prospects?
Should you combine multiple pension pots into a single pot?
Might you be over-exposed to high-risk funds chosen some time ago?
Is there a more tax-efficient way to access or utilise funds?
How do you decide if and when you should draw down funds?

If you do make changes, we keep your plan under regular review to make sure it continues to meet your objectives.

Ethical investing (ESG)

Environmental, Social and Governance investing is a fast-growing area. Many mainstream funds are taking an increasingly ethical approach. We can help you explore various directions and evaluate the possibilities.

Self Invested Personal Pensions (SIPPs)

We advise on both individual and group SIPPs, including holding commercial property within the pension.

Small Self-Administered Schemes (SSASs)

For business owners, a SSAS could offer beneficial opportunities, including making extra funds available for your business. We can discuss the details and help you get a scheme up and running if it’s right for you.

Investments held in trust

Tax rules around trusts are complicated and it’s wise to get advice from an expert in this area. We have the specialist knowledge to assess your situation in depth and explain your options.

Get in touch. Call us on 01625 685340

Our friendly and accessible office behind Handforth Dean, easily accessible from Greater Manchester, Cheshire and beyond. Parking is available on site.