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 competitive and meet your requirements.

Alongside personal financial planning, we deliver comprehensive Corporate Financial Planning solutions. We work with company directors and business owners to define clear financial objectives and implement tailored strategies including business protection insurance, shareholder protection, key person cover, executive pension planning and employee benefits schemes.

Through structured reviews and ongoing support, we ensure both your personal finances and your business remain protected, compliant and aligned with your long-term growth and succession goals.

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, we can help you navigate the complex pensions market, evaluate your options and construct a strategy that meets your retirement objectives.

Inheritance Tax and Estate Planning

Inheritance Tax (IHT) can reduce your estate by up to 40%, significantly impacting the wealth you pass on to your family. Our independent financial advisers provide clear, expert inheritance tax planning advice to help you understand the current IHT rules and implement effective, tax-efficient strategies to reduce or potentially mitigate unnecessary tax liabilities on your estate safeguard family wealth and support long-term intergenerational planning.

Our advice covers whole of life policies for IHT mitigation, trust structuring and estate planning strategies, discounted gift trusts, discretionary trusts, Business Relief qualifying investments, pension death benefit and beneficiary planning, as well as structured gifting strategies to support efficient wealth transfer across generations.