Life and Pensions - Financial Advice
We give expert advice on family protection combined with tax planning. In the same way, we offer Corporate Financial Planning, ascertaining goals and delivering protection for the business as well as employee benefits with regular reviews and assistance.
Creating Wealth
Wealth management is about addressing a person's concern about money and devising a strategy to help achieve their personal financial goals. Our financial planners will work with you to help you devise a portfolio that meets your attitude to risk and is invested as tax-efficiently as possible. Whether you’re investing for income or growth, our tailored investment proposition will ensure you get the most from the financial planning process.
Protection For Families & All Businesses
Protecting businesses, individuals and families against the consequences of unplanned events is an important part of sensible financial planning. Unfortunately, it is very difficult to predict when and how unexpected life-changing events might occur. Bereavement, illness, accidents and unemployment are all potential threats to our financial security. If used correctly protection planning can help alleviate these problems when they arise. Townsend McCormack will help you analyse your circumstances and identify which protection products are appropriate for you. We will then regularly review these products to ensure that they remain both relevant and competitive to your requirements. It is important for limited businesses that shareholder protection is in place and partnership protection for partnerships, as well as a key man, cover for all.
Tax Planning
Tax is likely to be one of your largest single costs, so it makes sense to keep tax planning at the forefront of any financial plan. Not having the right tax strategy in place can erode your capital very quickly. This involves looking at all the opportunities available to you such as spouses and children's allowances, pensions, ISA’s, capital gains allowances, offshore investments, Venture Capital Trusts and Enterprise Investment Schemes.
Retirement & Pensions
The life expectancy of the average individual is increasing. Whilst this is good news, it means that when you retire, it is likely that your money will have to last longer and work harder than ever before. As provision from the State wains and annuity rates are squeezed, you will need to accumulate more during your working life to meet the extra costs of living longer. As qualified retirement specialists, Townsend McCormack can help you navigate the complex pensions market, evaluate your options and construct a strategy that meets your retirement objectives.
Inheritance
We can help you with a planning and investment strategy to best preserve the value of your estate.