Our Approach
Individuals and families
Clients approach us for a variety of reasons – perhaps to appraise their current position, future plans or how to address specific issues. For example:
- Life assurance, income protection and related benefits
- Maximising investment opportunities
- Retirement planning
- Inheritance planning
- Settlements on divorce
- Mortgage solutions
- Tax planning*
Professionals – Medical & Dental
We understand key elements and considerations – whether you’re are a consultant or GP working within the NHS or privately. For example:
- The NHS pension scheme – pre and post 2015
- Pay methods and scales
- Death benefits provided
- Funding and finance arrangements for buying into and out of a practice
- Locum responsibilities and cover
- Lifetime and annul allowance relating to pension contribution and benefits
- LCEA post 2018
Business Owners
A common approach for business people is to work hard – doing something they enjoy for satisfaction and reward. Alongside is providing for others whether they are individual, family or employees.
Retirement considerations might be close or some way off – but planning for this and different scenarios should be addressed as early as possible, for example:
- How much income from pensions do I have or can I accumulate?
- What happen to family members if I’m unable to work because of accident/illness or worse still should I die prematurely?
- Does my existing shareholder agreement and connected insurance provide the business and surviving families with sufficient cash to survive?
- Is the business protected against the loss of key employees?
If I decide to stop work – what will happen to the business and should sell or keep an interest? - How can ensure my employees have a future in the business and longer term employment security?