Advice for Individuals
Turn on the radio, pick up a newspaper or magazine and you will find advice on money matters that is often complex and difficult to understand. The Government, meanwhile, encourages individuals to take responsibility for their own needs in times of retirement, sickness and for long term healthcare. Clear & Lane Financial Services can help you with your own personal financial planning strategy. We offer advice in the following areas:
- Investment Advice
Formulating a bespoke investment strategy that is built around your investment timeframes, your attitude towards investment risk, your tax position and your objectives.
- Pension Planning Advice
Advising you on the use of pensions to provide a tax efficient way to save towards retirement whilst also maintaining an individual investment strategy along the way. Often our advice is not only about new pension arrangements, but also about striving to improve the pension arrangements that you may have already established.
- Options at Retirement
Turning your plans into reality! Looking at the capital that you have built up in pension arrangements and other forms of investments and advising you on how to draw your retirement income from these in a way that matches your ongoing objectives.
- Mortgages and Remortages
- Protection and Life Insurance
Examining the financial impact of illness, injury or death either happening to you or to those that are closest to you and devising cost effective ways to help cushion the blow.
- Inheritance Tax Planning
Helping you to avoid paying too much tax, by combining the use of Wills, Trusts and other tax mitigation techniques. Also advising on ways of funding for future Inheritance Tax liabilities.
- Tax Planning
Looking at your income tax and capital gains tax position and advising you on how to reduce how much tax you pay.
- Financial Planning for Parents
- The Financial Practicalities of Bereavement