Pension Planning
We offer expertise with Retirement Planning from simple Personal Pensions to the more complex structures such as Executive Schemes and Self Invested Personal Pensions. We ensure that our clients have the pension arrangement to suit their current situation and future requirements:
- Personal pensions
- Stakeholder Pensions
- Pension & divorce
- Self Invested Personal Pensions (SIPP’s)
- Small Self Administered Schemes (SSAS’s)
- Income Drawdown Contracts and Phased Pension Withdrawals for clients looking to take the Tax-Free cash whilst keeping funds invested (USP & ASP)
- Annuities
Investments and savings
Whether you are saving for a specific goal, or just want the money you have already saved to work harder for you, we can advise you, for example:
- Longer term investments in stocks and shares, property, fixed interest and corporate bonds
- Investment into OEIC’s, ISA’s, investment Trusts, Regular Savings Plans, Offshore
- Investment Bonds and Onshore Investment Bonds
- We can advise you on investment risk, asset allocation and tax efficient ways of investing
- The Financial Conduct Authority does not regulate some types of offshore investment
The Financial Services Authority does not regulate some types of offshore investment.
Life assurance and protection
We can advise you on a full range of life assurance and protection options:
- Term Assurance
- Life Assurance
- Critical Illness Insurance
- Income Protection
- Whole of Life Assurance
- Private Medical Insurance
- Permanent Health Insurance
- If protecting your family, your income and your lifestyle is important to you then let us advise you.
If protecting your family, your income and your lifestyle is important to you then let us advise you.
Retirement plans
County Associates (UK) LLP can provide advice on innovative financial products that help the money you save during your working life go that little bit further in retirement. We give advice on providing solutions that are designed to meet the financial needs of people either approaching or already in retirement. Our advice to everyone is to shop around for the best and most suitable retirement income before accepting the annuity offered by your existing Pension company.
We can advise you on your full range of options:
- Income for Life
- Lifetime Annuities Impaired Life/Enhanced Annuities
- Fixed Term Annuities
- With Profit Annuities
- Unit Linked Annuities
- Flexible Annuities
- Variable Annuities
- Income Drawdown Contracts and Phased Pension Withdrawals for clients looking to take the Tax-Free cash whilst keeping funds invested.
Inheritance Tax Planning
Inheritance tax is usually paid on the overall value of the estate when someone dies. It is also sometimes payable on trusts or gifts made during someone’s lifetime.
You may find that inheritance tax would apply to you even if you do not consider yourself to be wealthy, as the individual lower limit at which this tax must be paid in 2014/20154 is £325,000.00*. As this amount includes the value of your main residence and any other property you may own as well as other assets many people find they are liable for this tax.
However if you are married and you leave your whole estate to your spouse, or registered civil partner, then there will be no immediate IHT due. Seeking independent financial advice can help you to plan effectively to minimize the effect of inheritance tax on your estate, so that you leave as much as possible to your heirs.
Business Financial Planning
We offer a full corporate financial planning service so if you are a business owner or a Director let us help you:
- Corporate Investments
- Group Pension Schemes
- Share Protection
- Keyman Insurance
- Employee Benefit Advice.
Mortgages*
For most people, your home will be the largest single investment you will ever make, so making the wrong decision can become a very expensive mistake, so taking the wrong mortgage can end up costing thousands extra over the lifetime of the loan, and what appears to be the cheapest will not always prove to be so over the mortgage term.
To add to the confusion, there are now a bewildering number of mortgage types available to select from, so advice is a must. Therefore to make a truly informed decision, call us on 01227 713 845 or email us at enquiries@countyassociates.co.uk and ask for an appointment.
*County Associates (UK) LLP do not give mortgage advice, we have trusted local mortgage brokers who gives the mortgage advice and arrange the mortgages needed for our clients.
Will Writing Service – Fixed Fee Will Writing Services
The earliest age you could make a Will is 18……but many of us delay doing so until we are much older.
Having a Will allows you to safeguard all the important things in life you’ve worked so hard for. A Will ensures you get to choose precisely who will get what. It also means you have a say in who will look after your children and where appropriate gives you the ability to make sure their inheritance is managed efficiently via a trust.
Not having a Will can cause all sorts of problems for those you leave behind. Most of us think everything will automatically pass to certain family members upon our death. This is not always the case because your assets will be distributed according to the Laws of Intestacy.
We do not write Wills but we have a local Will writer who offers this service and other services to our clients. Why not contact us now to discuss how straight forward this process is?