At Clarity Financial Planning Ltd we stick to our core area of expertise Retirement Planning, which means asset and pension accumulation for retirement, income options at retirement and investing for growth & income in retirement.
For other areas of personal finance we introduce our clients to trusted referral partners who have proven experience in their specialist field and of course, we think you will enjoy and benefit from working with:
Wills & Trusts
We consider it essential to always have a will in place, setting out clearly how you wish your legacy to be distributed and making provision for those you care about.Trusts can be used for a wide range of scenarios, again to ensure your wishes are met in a tax-efficient and orderly way.
Inheritance Tax Planning
Sometimes described as a voluntary tax. Some are sanguine about it, others adamant that on their death they do not wish to pass part of their wealth to the prevailing Government’s coffers. If the first suggestion made to you is expensive Life Assurance you are probably talking to the wrong person. There are many legitimate ways to reduce or eliminate Inheritance Tax, but it is important to work with a specialist in this field on an ongoing basis, as the rules are prone to regular amendment.
Residential mortgages and re-mortgages for both main residence and investment properties, in the UK and overseas. The mortgage market has never been more restrictive, the array of options and potentially crucial decisions to be made demand help from an independent mortgage specialist.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Private Medical Insurance
A range of schemes that help side-step the delays and vagaries of the NHS from the comprehensive catch-all policies through to higher-excess plans that provide for treatment of major illnesses and surgery. We would not be without PMI to assist us and our children in the event of serious illness and believe it is one ‘luxury’ well worth paying for.
From cost effective help with Personal Tax Returns, accounts for the self-employed, through to the more complex needs of a Limited Company or PLC, we can introduce you to a suitable expert in their field. An experienced pro-active Accountant really should return their fee several times over with timely, forward looking and incisive advice on tax planning for both the business and individual.
For advice on any of the above specialist areas contact us in the first instance and we will happily pass you details of trusted associates, or if you prefer, ask them to contact you.
Tax planning is not regulated by the Financial Conduct Authority