FINANCIAL SERVICES

Financial ServicesOur Financial Services team apply a holistic approach when considering your needs.
Our key areas of expertise include:

SAVINGS & INVESTMENT PLANNING

We can develop a bespoke and diversified investment portfolio that meets your investment needs.

Individual Savings Accounts (ISAs); Open Ended Investment Companies (OEICs); Unit Trusts; Investment Trusts; Ethical Investments; Exchange Traded Funds (ETFs); National Savings; Onshore Bonds; Offshore Bonds; School Fees; Trust Funds; Property.

The value of pensions and investments (including property) and the income derived from them can fall as well as rise; you may receive back less than you originally invested.

TAX PLANNING

Careful tax planning can make a huge difference to your financial situation. We always ensure any Income Tax, Capital Gains Tax or Inheritance Tax liabilities are minimised for our clients.

RETIREMENT PLANNING

As we live longer and healthier lives, there is a growing need for effective pensions and accurate retirement planning. We will help you establish a good savings and investment plan that meets your retirement needs and advise on the various methods of drawing a pension income when you require it.

Flexible Access Drawdown; Pension Transfers; Annuities; Personal Pension Plans; Self Invested Personal Pension Plans (SIPPS); Small Self Administered Schemes (SSAS); Stakeholder Pension Plans; Occupational Schemes; Auto Enrolment; Group Pensions.

The value of pensions and investments (including property) and the income derived from them can fall as well as rise; you may receive back less than you originally invested.

PROTECTING YOURSELF AND YOUR DEPENDANTS

Ensure that your dependants are provided for if you suffer a serious accident or illness. We will recommend an appropriate and affordable level of cover.

Life Assurance; Critical Illness Cover; Income Protection; Mortgage Protection; Accident Sickness and Unemployment Cover; Private Medical Insurance.

MORTGAGE PLANNING

Whether you’re a first time buyer or a seasoned property investor, we can help you find the perfect mortgage.

Buy-to-let Mortgages, Re-mortgages, Commercial Mortgages, Offset Mortgages, Secured Loans.

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

PROTECTING YOUR BUSINESS

Safeguard your business in the event of a serious accident or illness. We can discuss employee benefits that also help maintain a productive workforce, for example Group Private Medical Insurance or the more reasonably priced Health Cash Plans.

Key Person Insurance; Shareholder/Partnership Protection; Relevant Life Plans

AUTO ENROLMENT

Every employer must now automatically enrol his or her workers into a workplace pension scheme. We can assist you with this process and ensure that you comply with the new regulations quickly and efficiently, and that the qualifying pension scheme used is the most suitable for you and your employees.

The value of pensions and investments (including property) and the income derived from them can fall as well as rise; you may receive back less than you originally invested.

DIVORCES

We can help you during this potentially complex and emotional process. We can assist with advice on pension sharing / offsetting or earmarking or by helping you develop a new financial plan for your changed circumstances.

 


 

Rickard Lazenby Financial Services Limited is authorised and regulated by The Financial Conduct Authority.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk      

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