The key to finding the most suitable investment strategy for you is a clear understanding of your objectives, your attitude to invest risk, risk appetite and your capacity for loss.
Pension legislation has been a subject of constant change over the decades. This has made pensions an increasingly complex area for the uninitiated and has done nothing to encourage this extremely tax efficient form of savings.
We believe a fundamental part of financial planning is creating a cashflow model. This allows us to project what your future life looks like, and how any changes we may suggest would impact upon it.
If the value of your estate exceeds the nil rate band threshold then your estate will be subject to inheritance tax.
During retirement it continues to be important to make use of tax allowances available to you in order to create the most tax efficient income possible.
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