Saving and investments

Tax exempt savings

Friendly societies offer a unique type of tax-exempt savings plan, which allows you to invest regular amounts into a tax-efficient fund on which little or no tax is payable. You can have one of these as well as an ISA. Call us to find out more.

ISAs

Changes announced in a previous Budget have boosted ISA options and you can make greater use of tax-efficient savings as a result. We can help you choose the right one for you.

Other investments

Whether you’re making your first investment or you already have existing investments, we can help you achieve the most from your savings. We will take into account your personal circumstances and work with you to ensure your money is invested in the right places.

Whether you’re looking to achieve capital growth or a regular income, or both, our advisers can help.

They will work with you to build a personally tailored investment plan in order to help you achieve your goals and objectives.

Your investment plan should be regularly reviewed and we will guide you step-by-step along the way as we help you manage your investments and look to maximise your returns.

It has never been more important to make provision for later life. Whilst we are likely to live longer, there may be a period of time in which we struggle to look after either a family member or ourselves.

At present we face difficult choices in how as a nation we pay for care. State provision is struggling and it often falls upon us as individuals to make sure we get the care we need. This can lead to the forced sale of the assets that you have worked so hard to accumulate through life, including your family home.

We can provide access to many solutions with the objective of giving you the reassurance that you and your loved ones are protected for later life. Our advisers are qualified and able to provide advice in areas related to later life needs and planning. Contact us today for more information.

Take stock of your estate

Over your lifetime you may build up a variety of assets such as your home, your pension and your savings and investments. When you die you will probably want these to go to your loved ones and not the taxman, so it is good to plan your estate as best you can.

The main benefit of estate planning is to legitimately reduce the amount of taxes and other expenses which are due on the estate so that those who stand to inherit get what was actually intended for them.