Managing your money can be sometimes be a headache , and the huge choice of financial products that are available can be confusing . Photiades Financial services LLP is Photiades solicitors finacial services partner. They are appointed represenatives of Ashdale Independent Financial services limited an FSA approved and authourised independent financial advisor.
We can help with:
- investments
- mortgages
- pensions
- retirement planning
- inheritance tax planning
- equity release
- long term care
- life assurance
- insurance
- household/contents insurance
- buildings insurance
The following are some typical examples of where financial services are frequently required, over and above routine savings:
Retirement:
Various options arise at retirement. For example, do you take any available lump sum? If you have a money purchase fund, should you buy the annuity or take income drawdown? If pension planning is still in its early stages, do you need to pay higher contributions to achieve your target fund? Which pension do you choose? Do you need to pay into an AVC?
Inheritance Tax Planning & Saving:
Do you have an estate which will attract inheritance tax? If so, how can you try to mitigate this liability? Is your family protected if you die prematurely?
Life Assurance
Independent Financial advice can often considerably reduce the cost of both existing and new life assurance cover. As life expectancy is now greater an independant advisor can often be more competitive than the policies offered by agents who can only offer restricted or tied advice.
Divorce:
How will any divorce impact on your savings and pension arrangements in particular? How do you get the best price for your endowment if this has to be surrendered?
The range and complexity of financial products available today mean that few people have the time and resources to keep abreast of all the options, or the expertise to choose between competing products. Independent financial advice can help you progress from where you are today, to where you aim to be in the future.
For further information please contact Stuart Wilkins
