At Thomson Tyndall, financial planning involves identifying a client’s financial objectives and developing a bespoke, impartial plan based on each client’s specific needs.
We invest time to understand your priorities, whether this is to secure a specified income, general tax planning, to pass assets on to the next generation, save for a special event or provide for a prosperous retirement.
Once discussed and agreed, we create a dynamic plan which is regularly reviewed and adapted to reflect changing individual circumstances, market conditions and opportunities.
Our clients seek our advice on several areas including:
Addressing financial vulnerability
- Life and critical illness insurance
- Income protection cover
- Establishing an emergency reserve fund
Saving enough for retirement:
- Pension Saving
- ISAs, LISAs, and Investment Bonds
- Tax incentivised savings such as VCTs and EISs
- Pension consolidation and retirement planning
- Retirement income options and pension drawdown
- Lifetime allowance and annual allowance calculation and mitigation
Passing on wealth to the next generation:
- Estate and inheritance tax planning
- Lifetime gifts and philanthropic giving
- Trusts, Junior ISAs, and pensions for children and grandchildren
“It is tempting these days to think that we can do most things by ourselves, with a little help from the internet. But the benefits of working with a financial adviser should not be underestimated – an industry-wide study* found that advisers can add value of around 3% pa by recommending a suitable asset allocation and cost-effective investments, making good use of tax wrappers and allowances, and helping clients to remain disciplined at times of heightened market uncertainty.”
Tom King, Investment Manager
*Source: ‘Vanguard (2015) Adviser’s Alpha’
The value of investments may fall as well as rise and you may not get back what you put in.