360_image

PERSONAL

FINANCIAL

PLANNING

SERVICES

360_image

PERSONAL

FINANCIAL

PLANNING

SERVICES

We’re here to help and are happy to advise you on any of the following:

Tax Planning

The purpose of tax planning is to ensure tax efficiency, ensuring all elements of your financial plan work together in the most tax-efficient manner possible. We offer advice on all aspects of relevant tax, succession and estate planning and we assist in minimising the amount of tax payable on the transfer of your assets to others. With careful advance planning, it is possible to reduce your tax liability and maximise your contribution to retirement plans also.

Financial Planning

This is the core of what we do, having accumulated significant expertise in this area over the last 20 years. We have developed a bespoke financial planning tool, our Lifetime Program, which provides you with a complete picture of your finances and roadmap to financial security. Based on your risk profile & financial fact find, we'll develop a financial plan with your help. We'll manage and implement all elements to achieve your goals and we'll review regularly to ensure you stay on track. You'll be empowered to make the right decisions with our support, knowing that you have a clear roadmap to a secure financial future.

Personal Investments

Investing a lump sum is a great option if you want the opportunity to grow your money over time. Our financial advisors will take you through what to consider before investing and our investment research team will advise on suitable investments that we are happy to recommend based on your risk profile and financial goals. We provide investment solutions based on impartial advice as we're not tied to any banks or financial institutions. Our independence means we offer access to a broad range of funds with varying levels of risk and return. We'll help you to make smart investment choices.

Pensions

Pension funds are essentially savings with a tax break. When you are working, there are a number of ways you can save for your retirement and we can help select the best pension type for your individual circumstances. Some like to have their funds managed by a life assurance firm, while others like to have direct control over the asset selections (sometimes referred to as Self-Administered Funds). We can advise on both. When you come to retirement, we can also advise on the various methods of taking your retirement benefits (including tax free cash), and comment on which is the most suitable for you.

Protection

If something happened to you, would your family or business be able to cope financially? We'll tailor the right protection for your family today, so they have financial security for tomorrow. We can advise on a variety of insurances, including for your business if required. Having business protection ensures that in the event of the death of a shareholder, the value of their shareholding in a private company is unlocked in a tax efficient manner. Acumen & Trust provides consultancy and administration services in relation to all types of protection: life, income, serious illness and business protection to give you the peace of mind in knowing you've a plan in place, whatever the future may bring.

Deposits

We provide the best advice and access to the most competitive deposit rates, ensuring your portfolio is optimised to provide the best return for you, and that funds are protected by the available guarantees. We also advise with a view to ensure ongoing liquidity to meet your needs.