The benefits of wealth management and having your money work for you apply to each of us. The key is putting a strategy in place allowing you to accumulate wealth or assets that will one day work for you, so that you don’t have to.
All High net-worth individuals, company Owners and company Directors could benefit from an experienced independent financial adviser working alongside your accountant. You are busy managing your business, it is our role to support you and guide you efficiently towards your financial goals.
Small Business Owners
The Small business owners that I work with have a wide variety of career histories, and experience of money but nearly all have limited time to focus on their own financial planning. They have learnt a lot on their journeys and are nearly all focused on being successful running their own businesses now.
These are all important points, but it is all too easy to let retirement and protection priorities slip down the "To Do List".
If you don't do it, no one else will do it for you.
We work with our clients to ensure benefits and strategies are set up with tax planning in mind, as well as you and your family.
Wealth Management for Consultants & contractors
We ensure you have the most appropriate and rewarding, tax strategy, and wealth management strategy in place for your pension, savings & investments and we will work with your accountant to establish a strategy that covers your goals and aspirations.
As a consultant or contractor your time is precious and we appreciate that reviewing old retirement funds can seem an arduous task. However we understand that your previous company contracts and resulting investments and pensions are a critical part of building you a safe financial retirement position.
Like a car, these plans need to be serviced and reviewed, as part of your current and ongoing strategy.
We will guide you and work with your accountant around your earnings for the right investment and tax strategy for both shorter, medium and longer term wealth accumulation.
Choice, control, flexibility (CCF)
Working with business owners to find the right type of benefits packages that suit the budget, we advise on various available schemes and provisions. We use our independent status to advise impartially, and with you, explore all options for the best result for your situation. We explain advantages and disadvantages in clear language.
Retirement & pension planning
Years ago, the workplace was very different. It was without internet or email. Staff also tended to stay for longer periods of time. Technology, global villages and moving retirement ages today make a final salary pension scheme, in most cases, a thing of the past. The man from the life assurance company is no longer around, and so other than the internet the advice channels are limited. Pension planning is very different. It directly involves the individual, who needs to be informed, and wise with plans needing to be serviced more frequently.
Income and business protection
Financial protection policies guard our business assets — there are many protection strategies to consider. Choosing the right policy, matching the budget to required cover, is important for the small business owner.
Medical cover, & death in service
How good it would be to look into the future. However, we can't, but we can try and mitigate the worst disasters and discomforts by putting in place some protection, and by planning. Putting in place options such as death in service and Private Medical Insurance is, in this day and age, an important part of most employee's financial package. We work with you to establish the priorities and the best route.
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A Pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
The value of your investments can go down as well as up, so you could get back less than you invested. The value of your income from your investment can go down as well as up.
Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.
We help you accumulate personal wealth and make your assets work for you so that you don’t have to.
We support you with the complex and daunting financial choices at a stressful time, to make the right choices for you and your family.
Vita Financial Planning Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.
The Financial Ombudsman Service was set up by Parliament to sort out individual complaints that consumers and financial businesses aren't able to resolve themselves. Details of how the Financial Ombudsman Service can help can be found on their website at www.financial-ombudsman.org.uk/consumer/complaints.htm or you can ring the consumer help line on 0800 023 4567 or 0300 123 9123.
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