What we do
Our Financial Planners offer new clients an initial consultation without charge (and at our expense), either face to face or by telephone. This enables us to discuss and understand your personal situation and objectives and to see if we can help you.
We offer advice on a wide range of financial planning services, including:-
How we can help you.
These days, saving for your retirement isn’t necessarily as simple as just paying into a Pension Plan. It's also important to consider other types of investments, such as ISAs.
But, one fundamental is clear. The earlier you can start planning for your retirement, the easier it will be and the more you'll potentially benefit. However you save for your retirement, you should always be asking yourself some key questions around your contribution levels and your investment options. Is your money in the right place? Are you ‘on track’? After all, nothing ‘stands still’.
With pensions now being more flexible than ever before, and with other tax-efficient ways of saving also available, it is more important than ever to make the right decisions. In our experience, the more advice that you get, the more likely it is that you will achieve your retirement objectives so that you can do all the things that you want, when you want to do them.
‘At Retirement’ Planning
This has become much more important following the introduction of Pension Freedoms in 2015. You now have far greater choice in terms of how you can access your hard earned retirement savings. Of course, with increased choice comes potential complexity. We can help you to navigate your options to enable you to make the right decisions.
Depending on how you draw on your retirement savings, ongoing reviews and advice are essential to avoid the risk of running out of money! We can help make sure that this doesn’t happen to you.
We want you to enjoy your retirement, secure in the knowledge that EBS is looking after you.
Tax Efficient Investments and Savings
With a wide range of savings and investment options available, it can sometimes be difficult to be sure that you are investing in something that is ‘suitable for purpose’. There are three key questions to consider.
How much have you got to invest?
When do you need the money?
How much risk are you prepared to take?
Whether it be through regular savings or a lump sum investments, we can guide you through the options available and that will best meet your circumstances and objectives.
Protection (e.g. Life Assurance, Critical Illness cover and Income Protection)
Let’s be honest – most people don’t have enough cover or don’t like to think about it. However, it’s important to make sure that your loved ones will be able to manage financially if you were no longer around. Also, what happens if you cannot work for a prolonged period of time because of illness or injury? No one wants money worries on top of health problems.
We can help you to address this, to give you the peace of mind you need to live life to the full knowing that you and your family are covered against life’s unfortunate events.
Inheritance Tax Planning
Inheritance Tax (IHT) is no longer the domain of the very wealthy. Many families are now getting caught by IHT, largely but not always exclusively, due to rising house prices experienced over the past decades. The good news is there are a number of steps that most people can now take to reduce their exposure to IHT. With some careful forward planning, we can help ensure that those closest to you don’t have to pay more than is needed in taxation.