Are you in business?
If you are a sole trader, partnership or company then you need to make the most of all tax and business planning opportunities available, whilst meeting your many compliance obligations as efficiently as possible. Visit our pages on business tax, business planning and financial planning to find out just how we can help you to achieve this.
Financial Services
For a free no obligation quote contact Tony Matthews on 01691 654353 for all your financial services needs.
We use Independent Financial Advisors to provide competitive and unbiased quotation for all investment and personal planning areas including:
- Pensions
- Life Assurance
- Permanent Health Insurance
- Critical Illness Cover
- Investment Bonds
- Mortgage Protection Cover
We can also provide free checks to ensure that your existing cover gives you the best value for money.
Our service is linked to your other financial or business requirements and will enable you to combine your business growth and personal objectives. This will give you the peace of mind that your dependents are catered for and enable you to provide for your future by planning for retirement including maximising the value of your business.
D.R.E & Co. is not authorised under the Financial Services and Markets Act 2000 but we are able in certain circumstances to offer a limited range of investment services to clients because we are licensed by the Institute of Chartered Accountants in England & Wales.
We can provide these investment services if they are an incidental part of the professional services we have been engaged to provide.
Financial Planning
When you die, your assets are given to those that you nominate in your will (if you have one) and trust documents. You should review such documents regularly to ensure that your wealth will be distributed in a way that accords with your wishes.
Many clients seek to arrange their affairs as to minimise the tax the estate will have to pay. Most people have not created a distinct trust fund for their children as they feel they cannot give away any spare resources that they might need for themselves. However, most of us have pension schemes and life assurance policies that should nominate loved ones without reference to the will.
Most of us need to set aside a proportion of our earnings so that we can enjoy a comfortable lifestyle when work ceases. Some thoughts to consider:
- How much of this nest egg should be sheltered within a traditional pension fund?
- Are there other investments that are as good or even better at reducing the tax paid on income and growth?
- Have pension schemes become too complicated and restrictive?
- Are you using the correct pension vehicle?
- Is it ever too late to save for retirement?
- What options are there when you reach retirement?
- How much is enough?
If you would like to discuss your financial planning or your will please contact us.