PERSONAL PLANNING
Making your money fit your life choices

 

Our financial planning process is designed to help individuals and their families protect and grow their personal wealth.

Wealth Management

Wealth management is about addressing an individual’s concerns about money and devising a strategy to help achieve personal financial goals. Our financial planners will work with you to help you devise a portfolio that meets your attitude to risk, and is invested as tax efficiently as possible.

 

Whether you’re invested for income or growth, our tailored investment proposition will ensure you get the most from the financial planning process.

Cash Flow Modelling

Cash flow modelling is one of the ways an adviser can help you make more sense of where money is coming from and going to, over your lifetime. Careful analysis of this data can help us understand where savings can be made and tax mitigated, meaning your money is working as efficiently for you as possible.

 

Our team will help you make sense of the data and apply it in a practical manner so as to compliment your overall financial goals.

Protection

Protecting individuals and families against the consequences of unplanned events is an important part of sensible financial planning. Unfortunately, it is very difficult to predict when and how unexpected life changing events might occur. Bereavement, illness, accidents and unemployment are all potential threats to our financial security. If used correctly protection planning can help alleviate these problems if they arise.

 

Bradbury Hamilton will help you analyse your circumstances and identify which protection products are appropriate to you. We will then regularly review these products to ensure that they remain both relevant and competitive to your requirements.

Tax Planning

Tax is likely to be one of your largest single costs, so it makes sense to keep tax planning at the forefront of any financial plan. Not having the right tax strategy in place can erode your capital very quickly. This involves looking at all the opportunities available to you such as spouse’s and children’s allowances, pensions, ISAs, capital gains allowances, offshore investments, Venture Capital Trusts and Enterprise Investment Schemes.

Retirement & Pensions

The life expectancy of the average individual is increasing. Whilst this is good news, it means that when you retire, it is likely that your money will have to last longer and work harder than ever before. As provision from the State wanes and annuity rates are squeezed, you will need to accumulate more during your working life to meet the extra costs of living longer.

 

As fully qualified retirement specialists, Bradbury Hamilton can help you navigate the complex pensions market, evaluate your options and construct a strategy that meets your retirement objectives.

Inheritance & Wills

We have a very strong inheritance tax and estate preservation team who can help you with a planning and investment strategy to best preserve the value of your estate.

 

WILLS

Making a Will is the only way to ensure that your wishes are carried out after your death. If you have not made a valid Will, your property will pass under the law of intestacy. This may not be what you would have wished. In any event it is likely to take longer to finalise than if you had made a Will. During this time your beneficiaries may not be able to draw any money from your estate and this can cause significant difficulties for those trying to administer your assets.

Bradbury Hamilton works closely with a number of specialist Will writers who can ensure that your wishes are carried out after your death.

 

INHERITANCE TRUSTS

Trusts are a valuable part of estate planning, helping to mitigate unnecessary tax burdens and giving families peace of mind in regards to the well-being of future generations. Whether you are concerned about the impact of IHT, or whether you are a Trustee looking to invest the assets of a Trust, our expert advisers can help you choose the right trust for your objectives.

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Bradbury Hamilton Limited is authorised and regulated by the Financial Conduct Authority
© Bradbury Hamilton 2015. All Rights reserved

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A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567