Independent Wealth Management

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Business protection

If you are a business owner you should consider the impact that the death or illness of a Director, Partner, Key employee or Shareholder could have on your business.

Protection arrangements can be structured and the relevant agreements put in plan to ensure that the company can continue to function if the worst happens.

Business protection is a very broad subject and good advice and planning is crucial.

Put Life Cover On Expenses

Are you a Company owner? If so, Relevant Life cover can work out much cheaper than a typical life assurance policy for you or your employees. In most cases the premiums are treated as an allowable business expense by HMRC which means that companies qualify for Corporation Tax relief. Furthermore, there is no additional Income Tax or National Insurance to pay either.

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Gender Ruling

Today, 1st March 2011, the unimaginable has happened. The European Court of Justice has ruled that Insurers cannot charge different premiums to men and women. The effects of this ruling will be far reaching and will take effect from 21st December 2012.

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Company Funded Life Cover

How would you like to have your Company pay for your life cover? If you are a Company owner, you could set up a life assurance policy that is funded by your Company.  The monthly premiums will usually be treated as a company expense and claims will be tax free.

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Pensions

Planning for retirement, your options, review your plans...

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Investments

Investing your capital for tax efficient growth or income...

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I have known Barry and used his financial services for many years for various aspects of our family’s needs. He has always provided a first class independent and personal service, giving un-biased advice that is in our best interest. He operates his business in a very professional way and communicates all the information efficiently and speedily.

David Hey

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