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It is important to realise that everyone faces risks in their future and that safeguarding the financial security of your family and dependants is essential.

With this in mind, you may  want to make provisions to protect your families from financial liabilities in the unfortunate event of death, critical illness or unemployment.

We have extensive experience of reviewing and establishing protection arrangements to cover an array of eventualities. Our advisers, researchers and administrators regularly review and implement all types of insurance and protection.

Due to the fact that we are completely independent, we are able to review protection products across the whole of the market place. We can therefore provide an impartial service which is bespoke and uniquely tailored towards your individual requirements and circumstances.

For more information, or to arrange an appointment, call 01246 560570 or email info@bannerjoneswm.co.uk.

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Global Investment Market Round Up From Banner Jones Wealth Management

Global Investment Market Round Up From Banner Jones Wealth Management

Despite the claims of Brexit and the debate on triggering Article 50, it is impossible to start this commentary anywhere other than in Washington where, on January 20th, Donald Trump was inaugurated as the 45th President of the United States. It is remarkably difficult to find a news outlet that has a neutral view of ‘the Donald:’ however, we’ll do our best in this commentary to stick to the facts and let you form your own opinions…

Frequently asked questions

Can I switch my investments over to Banner Jones if I’m not happy with my current adviser?

Yes, after an initial meeting we will be able to assess how we can help you, and outline what, if any charges we would need to levy to look after your financial planning needs.  We would then help you to transfer over your plans.

How often do you check and review my investments?

This depends on how you wish to engage us.  Most of our clients wish to benefit an annual review, where others wish us to establish the transaction, and then come back to us when/if they choose they need further assistance.  This will be discussed at the initial discovery meeting and confirmed in the client engagement letter and the suitability report.

I am due to retire next year and don’t have a financial plan in place, is it too late?

It is never too late – make an appointment we would be delighted to help you.

I have a few different pension plans, I’ve heard they can be combined, is that right?

In some circumstances that maybe the correct option, but before a decision is made a full review would need to be undertaken.  This review would amongst other things look at the type of pension it is, you’re financial planning objectives, the death benefit requirements, charges and your attitude to risk/ability for loss.  Only when this review had been undertaken would any recommendations be made to you in writing.

I own a business; can you look after my business investments as well as my personal ones?

We provide a generic advice service, with most of our clients asking us to look after all their financial affairs.  This means that we can oversee all aspects of the planning.

If I invest all of my funds I am able to access them should I ever need to?

This depends on the type of investment you put the money into – it is important to set aside a level of emergency fund, say 3 to 6 month income on deposit, and then consider a manner to vest additional monies which take account of your financial needs.  Part of the initial fact finding processes are to assess which styles of invests are appropriate to your needs.

I’m going through a divorce and am worried about my pension, is this something you can help with?

Yes, we are able to offer you support and advice, and provide backing to your solicitor on you gaining the right outcome.  There are several option available to you, and all these will be explained.  It is important to not only consider what is relevant today, but also into your retirement.  Just a thought, don’t forget your State Pension when looking at this aspect, you can get a forecast here www.gov.uk/government/publications/application-for-a-state-pension-statement

I’m not sure how I feel about risk, can you help me decide?

This is one of the most important aspects of financial planning.   We will assist you in determining your appropriate attitude to risk, and as important your ability for loss.  For example you may wish to have a higher risk tolerance for regular contributions to take account of ‘pound cost averaging’, and/or phase lump sums out of higher risk funds coming up to retirement.

I’ve accumulated various investments and pensions over the years. How can I be sure they are all tax efficient?

There are many taxes, for example income tax, capital gains tac, corporation tax, inheritance tax etc.  Investment tax wrappers work in different ways, and it is important to establish a linked up investment structures which work together to establish the outcome you need from your financial plan.  We will review these for you, and at the same time make sure that the charges are the most competitive you can access and that the funds you are investing into are appropriate to your attitude to risk and ability for loss.

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Grant of Probate allows someone to collect in and distribute the deceased’s assets according to their Will, and normally marks the point when their Will becomes a public document. In the Royal Family, the Courts are asked to seal their Wills for 90 years. https://buff.ly/3kf3jni https://t.co/mkmmpb3W4d
19 Sep 2021 10:07

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