The value that we add*

1. When assessing your current world

• Using your existing provisions first before considering starting a new plan

• Reassuring you that you aren’t unnecessarily taking too much risk with your current assets

• Helping you to not miss out on getting money back that might be owed (e.g. tax relief on pension and retirement planning)

• Checking how any personal changes in income or capital wealth may impact your current provisions or tax situation

2. When implementing your recommendations

• Placing your assets in the right name, ownership and tax wrapper so that you legally and ethically ensure your arrangements are tax efficient

3. When reviewing you and your plans

• Reminding you not to miss out on valuable allowances which, once gone, are gone forever (e.g. ISAs)

• Rebalancing your assets, so that with the level of risk you are comfortable taking, you do not miss out on potentially better returns

• Explaining in simple terms how the UK Government Budget announcements impact you with regards to income, capital or inheritance tax changes

*HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.