Services

Financial Planning

I offer a range of specialist financial advisory and wealth management services tailored to the specific needs of individuals and businesses. You can take comfort in knowing my recommendations are unbiased and always aligned to your best interests.

Our aim to bring structure to your finances and set you on your path toward achieving what matters most to you. Over time we will adapt your strategy, even beyond death, to ensure your family are taken care of.

Financial Planning Services I can Offer

  • Pensions
  • Insurance & Protection
  • Drawing your Pension
  • Savings & Investments
  • Outgoings
  • Wealth Protection
  • Pensions & Retirement

Pensions and Retirement

Managing your wealth throughout your career and in preparation for your retirement is becoming ever more important, especially as reliance on future state pension provision is becoming ever more uncertain.

Need help planning your pension? For excellent retirement planning services, you can rely on Lighthouse Financial Advice. I can help you with pension planning, retirement planning and funds management.

After putting in decades of hard work, you deserve to retire with a flexible income, that helps you do the things you love. By exploring your pension and retirement planning options with me, you can have the security and peace of mind you deserve.Increasingly good health in our mature years and the longevity of retirement means there is now even greater pressure to ensure you have a long-term income stream to help you enjoy this later stage in your life.
The retirement planning market has evolved significantly over the past few years and there is an ever expanding range of sophisticated and complex financial solutions to consider. There has never been a better time to receive professional financial advice.

What can I help you with?

  • Pension planning
  • Retirement planning
  • Lifestage financial structuring
  • Retirement wealth structuring
  • Retirement planning for your employees

For further information you can contact me in London and surrounding areas throughout Essex

You can prepare for your retirement on your own terms
Once you begin to earn a regular income, I’ll help you save, budget and plan for your future. This includes planning for emergencies, pension and retirement. I’ll create realistic financial goals that you can achieve and that give you stability.
I’ll strengthen your safety net through smart investments and wealth structuring strategies. Whether you’d prefer a tax-free lump sum or a fixed monthly income from your pension fund,I can help.

 

Retirement planning for your employees
Have you considered supplementary retirement benefits for your employees? If not, give me a call today.
I can help you with retirement planning for your employees. From tax saving to higher employee output, there are a range of benefits in this for you and your business.
Pensions are long-term investments. Although the fund value may fluctuate, the eventual income you receive may depend on the size of your fund at retirement. It also is impacted by future interest rates and tax legislation.

 

How to achieve a prosperous retirement
Sadly, very few people can solely rely on their work pension to live comfortably. In order to live a prosperous retirement, you’ll need to look into the following:

  • Investments
  • State pension entitlement
  • Personal pensions
  • Wealth structuring
  • Acquiring a suitable insurance
  • Planning future taxes and mortgages

 

Important Information: A Pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Investments

A sound investment strategy is the cornerstone of any successful financial plan. Our approach is based on a genuine understanding of your current financial situation, specific objectives and the level of risk you are prepared to tolerate. We then determine the most appropriate investment strategy to match your short, medium and longer-term financial goals.

Each portfolio is diversified across a broad mix of asset classes (investments like equities, bonds, cash and alternatives), to manage risk and generate the optimal return. Through time, we make adjustments and re-balance your portfolio to ensure you remain on target.

Investment Planning
Building your personal wealth can be quite complex. If you’re unclear about strategies, contact me today. My wealth building strategists work with you to review your investments on a regular basis.I explore strategies that match your expectations. I inform you about the current market investment standards, multi-asset funds and tax-efficient investments. I help you create a healthy financial portfolio targeting your ultimate goals.

Tax-efficient savings and investments
Rely on me to offer tax-efficient savings and investment strategies. They help you structure your wealth such that you can achieve your goals sooner. You could reap benefits from taxable, tax-deferred and any tax-exempt investments, while I help in mitigating potential risks.

I can assist and liaise with your professional accountant to ensure tax effective savings and investments.

Important Information: The value of your investments can go down as well as up, so you could get back less than you invested. The value of your income from your investment can go down as well as up. Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.

Financial Protection

Safeguard your wealth
Protect yourself and your family against unforeseen situations. Whether a loved one needs financial guidance or you’re planning on big investments, having the right insurance policies or sufficient savings can help. As a professional Adviser I work closely with you to find the most affordable policies to benefit you.

Keep your money safe through all times
You’ve worked hard to build your wealth. If you’ve employed creative strategies to diversify your investments, it is necessary to ensure that your money stays safe and secure. If you’re facing economic hardships, your finances should be able to withstand the changes. My protection advice will help you develop financial safeguards to protect your wealth.

Protect your family with proper financial protection
Regardless of whether you’ve started a new profession or are paying off your mortgage or planning for your retirement, I can help. I can review your existing circumstances and investigate new financial outcomes. This ensures that your family is secure should any difficult times arise.
Based on your needs and future objectives, my financial protection service can help structure your wealth in the right way. I can build financial safeguards against the unpredictable times in life.

Income Protection
Whether through serious illness or injury, at times, Income protection becomes inevitable. Over the years, I have seen many families exhaust their wealth by providing Income protection for their loved ones.Income protection, can complement your investment and you can take care of your loved ones in their time of need. I can keep your finances from depreciating during difficult times. I’ll work closely with you to develop solutions to cover your loved one’s needs. This is done while guiding you to a feasible payment solution, helping you to safeguard your assets.

Important Information: Some protection products, such as Whole of Life or may include an investment element. The value of your investments can go down as well as up, so you could get back less than you invested.

Estate Planning

What can you do to reduce your Inheritance tax bills?

There are different ways to reduce your inheritance tax bills. They include:

  • Setting up a trust
  • Making outright gifts
  • Keeping your assets while reducing your estate
  • Managing your inheritance tax without making any gifts

 

The Financial Conduct Authority does not regulate Will writing or taxation and trust advice.

Do you know how much inheritance tax is?
Inheritance tax is a 40% charge that you incur on any assets above the nil rate band – your personal allowance. The current rate of allowance per person is £325,000.
To learn more about inheritance tax,give me a call today.

What is estate planning?
Estate planning usually involves making plans to pass on your assets to your children or any parties you deem as inheritors. It is done to reduce your inheritance tax bill.Many customers choose this option to reduce the amount of tax that their inheritors are liable to pay on the amount they are inheriting. Estate planning involves making financial gifts to people who are close to you.