INTRODUCTION INTO investments
When you’ve worked hard and built up your resources, it’s important that you consider how that works for you over the longer term. With so many different savings and investment opportunities available, it’s vital to understand which ones suit you and your requirements.
My role as your trusted consultant is to help manage your finances in a tailored and considered way.
As the decision to choose someone you trust for this relationship is so important, I feel that taking the time to get to know each other is the first and foremost important step, before making that choice.
I pride myself in spending quality time with my clients, given the long term nature of this relationship, this is reinforced by the feedback of my existing clients.
VERIFIED investment REVIEWS
What were the circumstances that caused you to look for an adviser?
I had various pensions and wanted to bring them under one banner and get some guidance on suitable pension funds.
How did Stephen Elvin help you?
Stephen pulled together my various funds with very little work from myself, clearly explaining all through the process what was going to happen and advised me on my other investments.
What is your current situation? Have you seen the outcome you were hoping for?
Yes, My pensions have been pulled together and my other investments changed. The funds are doing ok considering the economic climate we are in.
What could they have done better?
Stephen was excellent at explaining everything, very approachable, making my decisions much easier for me to decide, kept me informed of what was happening at all times and i look forward to my next review.
What were the circumstances that caused you to look for an adviser?
Dissatisfaction with the service provided by our current provider initially for our investments and then my mothers.
How did Stephen Elvin help you?
Stephen spent a great deal of time understanding our situation, his initial meeting was purely gathering information. We were most impressed on his return visit when he presented his solutions. He had left no stone unturned. Both my wife and I are very confident that he will always have our best interests at heart allowing us to enjoy our retirement whilst our investments are professionally managed.
What is your current situation? Have you seen the outcome you were hoping for?
So far we have been delighted with everything Stephen has done for us.
What could they have done better?
Stephen is a true Professional. He visits us twice a year and gives us regular updates. We have never received such a personal service from anyone else. I recommend him to everyone. Well done Stephen and Thank you.
Stocks and Shares ISAs
While a cash ISA is simply a tax-free savings account, a Stocks and Shares ISA is a tax-efficient investment account that lets you put money into range of different investments.
This can vary from what companies and also what areas of the world you want to invest in. The tax advantages can be significant, especially if you're a higher or additional-rate taxpayer.
As with all investments given the variety of options available, style of management and differing fees, it is important to consider all the various options and most importantly, the ones that suit your needs.
Other Tax Efficient Investments
There are many different investments that are also as tax efficient as ISAs. These not only offer tax free growth longer term but can also offer income tax reducing incentives as well.
Given the variety of investment types and options, this area needs careful consideration and advice prior to any investing.
It can be very useful to consider these strategies alongside pensions, as they typically offer shorter investment time horizons and easier access to the funds.
Investment Bonds
Investment bonds utilise a different tax and investment strategy and also allow you to make regular fixed withdrawals.
Withdrawals of up to 5% each year of the amount that you invested can be taken without triggering any immediate tax liability.
However, the tax is in effect only deferred, so utilising investment bonds and the types available, all differ as to how they could compliment your planning.
Investing Company Funds
There are many different ways you can extract money from you company in a tax efficient way, this is also true when it comes to investing funds.
It can make a huge difference to a Limited Companies corporation tax bill or a self employed persons income tax liability.
As with all areas of advice, if this is to be considered, it should be tailored to your specific circumstances and how you have set up your business.
The future value of investments can fall as well as rise and future growth is not guaranteed.
investing for your future
There are many smart and tax efficient ways to invest and with over 38,000+ investments and a heavy focus on unguided advice, you could make serious mistakes or pick unsuitable options.
This all starts with why you are investing, what type of risks you are prepared to take and what are suitable investments for your future plans.
By filling in the enquiry form, this could be a simple straight forward conversation that costs nothing but means you understand where you are with your plans or existing provisions.
Alternatively, it may mean we need to sit down together for a more in depth consultation, this is to ensure how you are investing is still appropriate for you and that any changes in your circumstances have been considered.
This is at no cost obligation to you, giving you the opportunity to evaluate your options and the service I can provide.
I aim to respond to all enquiries within a 24 hour period, if your query happens to be urgent for whatever reason, please state this within your enquiry.
Alternatively I can be reached on 01278 555 113 or touch the Messenger icon on the screen.
Your personal data will remain confidential and will not be passed to any company outside our firm without your permission being obtained, unless the information is required by law. For further details on how we handle your personal information, please refer to our Privacy Policy.
