Financial Planning

As you progress through life it is likely that you will accumulate a ‘Shoe Box’ full of financial contracts. There may come a time when you decide to review your situation and put your affairs in order. This could be triggered by any number of life events such as marriage, starting a family, divorce, retirement, redundancy or inheritance.

Many things could have changed since your policies or investments were put in place. These may include your personal circumstances, financial objectives and tolerance to investment risk. Tax rules may also have been revised giving rise to new tax implications. You may have money invested in funds which were once high flyers but are now underachievers.

Inheritance tax – ‘I would rather leave my assets to my children than the tax man.’
PEPs & ISAs – ‘Too much paperwork’ ‘Are my funds invested in the right place?’
Investment Bonds – ‘What is my tax position?’ ‘Should I stay in with-profits?’
Mortgages – ‘Am I paying too much interest? Will my endowment pay off my mortgage?’
National Savings – ‘Are they right for me?’
Trusts – ‘Should I use a trust? What are the implications of doing so?’
Wills – ‘Why should I make a will? Can I save tax using my will?’
Life Assurance & Critical Illness – ‘Do I have the right amount? Am I paying too much for it?’

Please remember that the technical content of this web site is based on our understanding of English law and HM Revenue & Customs practice which can change at any time.

Also the content of this site is intended to be informative and for guidance only; it is not intended to be advice or a recommendation to follow a course of action.

Please contact Expert Financial Solutions Ltd for bespoke advice specific to you, your circumstances, objectives, and risk tolerances.

Expert Financial Solutions Ltd are independent financial advisers (IFA) / financial planners based in Witney, Oxfordshire. We serve the local community in and around Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. We specialise in pensions, retirement planning, pension annuities, investments including PEP, ISA, OEIC, unit trusts and investment bonds, and inheritance tax (IHT) mitigation and trust investment. One of our advisers is a Chartered Financial Planner and we are proud of having Oxfordshire's only Resolution qualified and accredited IFA for pensions on divorce.