Investment advice and monitoring...
Whether you are investing a lump sum of money to obtain capital growth or to supplement your income, or both, we will tailor the advice to best suit your personal requirements and tax status, ensuring that any advice is based on your attitude to risk.
Ongoing regular reviews of the underlying funds are important to ensure ongoing performance and volatility are in line with your changing needs and attitude to risk. Your adviser will discuss our fee based investment monitoring service with you before any investment is made.
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Inheritance tax planning...
There is a misconception that inheritance tax just affects the wealthy. What does this mean? Wealth does not have to mean millions. Many people now fall into the inheritance tax trap just on the value of their home. There are various solutions to reduce or prevent inheritance tax being levied on your estate and our advisers will guide you through the most appropriate solution for you. |
Planning for your retirement...
Retirement planning means different things to different people. Some, it’s a pension and others it’s more about holding various investments to meet different needs and goals in retirement. Whatever your circumstances, retirement does needs careful planning to ensure that when you reach that time in your life, you can enjoy the things that you have worked so hard to do. Our advisers are able to assist in all aspects of retirement plans including personal pensions, corporate pensions, Self Invested Personal Pensions and the new regulations of Pension Reform due to take effect from 2012. |
Savings...
Savings may be made on a regular monthly basis, annually by investing a lump sum or ad hoc as and when you have some spare cash. Whatever your preferred method, it is essential to ensure that the money is put aside in the most tax efficient manner and matches your personal needs and attitude to risk. As investments, regular monitoring is essential and your adviser will discuss our fee based service with you.
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Equity Release...
If you are over 55 and a homeowner, you may be able to benefit from releasing a tax-free lump sum or an additional regular income from the value of your home. There are various schemes available and expert advice is essential. |
Life assurance and critical illness protection...
Whether you are looking to protect your business or family in the event of death or serious illness, we can research the most suitable and cheapest solution from the whole market place to meet your personal requirements. |
Income protection and private medical insurance...
Protecting your income in the event of long term illness allows you and your family to maintain the standard of living you have worked hard to achieve at a time it is most needed and private medical insurance allows you the freedom to make the choices when it comes to obtaining the medical care you deserve. |
Employee Benefits and corporate pension consultancy...
We are able to provide a full corporate consultancy service including group pension planning, death in service benefits and private medical insurance.
With major new Pension Reform regulations set to affect all businesses from 2012, obtaining advice now is a must. Email pensionreform@alexanderprice.co.uk for more information on how we can help.
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Mortgages...
We offer advice on all mortgage arrangements, whether it’s buying your first home, moving up the property ladder or releasing equity for those essential home improvements. A fee may apply for this service and our advisers would be pleased to discuss your requirements and sort the most suitable arrangement for you. Your home may be reposed if you do not keep up repayments on your mortgage or others loans secured on it. |
Care fees provision...
If you are worried about how you may fund for your care in the future or already receive care and are concerned about the long term financial affect on your finances, we are here to help. Talk to one of our advisers today. |
Tax planning and trusts...
Whether planning for your own future or acting for a family member, obtaining the right advice is essential. Trusts are not necessarily complex but too often we have seen people with trusts incorrectly set up for the objective they were designed to achieve. Our advisers are able to give advice that is bespoke for your needs and circumstances. |
Ongoing financial monitoring...
This fee based service is designed to ensure that your financial planning arrangements match your objectives both in the short term and looking ahead to the future. Being completely independent and our holistic approach to financial planning means that you can be assured that any advice given is based on your personal needs and takes into account your circumstances both now and in the future. Our advisers will be able to discuss the most suitable ongoing service to meet your requirements and budget. |
Auto Enrolment - Pension Reform
From October 2012 the new Qualifying Workplace Pension Scheme will come into effect and all companies will be required to automatically enrol their qualifying workers into a workplace pension, with both employee and employer contributing.
Auto-enrolment will be phased in starting with the largest companies first.
Whether your company is a national corporation or a small business with 5 employees, you will need to comply with the requirements. Now is the time to plan for this massive change.
The rules and requirements are complex and specialist advice is needed.
We are able to discuss these with you as well as provide the necessary tools to manage auto-enrolment to ensure you are fully compliant with the regulations. Email our specialist at pensionreform@alexanderprice.co.uk for more information or call us to book a free initial consultation.
Employers: Use the link below to the Pensions Advisory Services Auto-Enrolment Planner for Employers where you can go through some set questions.
It will help you establish whether you must auto-enrol any of your workers into a pension scheme.
If you have an existing pension scheme for your workers which you would like to use, it will help you establish whether it meets the qualifying requirements.
If your existing pension scheme does not meet the qualifying criteria, it will help you establish what you must do.
Please contact Alexander Price for more information.
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