For help with reviewing savings or investments, retirement or tax planning and helping you reach your financial goals.
How can you make the most of your money? An independent financial adviser (IFA) can show you how. From starting a business to raising a family, saving for the future and planning your retirement, professional advice can help boost your finances throughout the key stages of life. An IFA can also ensure that your financial arrangements support your specific goals, and that all your savings and investments work together as a whole.
Our research has shown that people who use IFAs have better pensions, a higher value of investments, and more confidence in their financial decisions.
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Help with first time buyers, homeowners looking to remortgage, or buy to let property investors.
Whether you're a first-time buyer, an experienced property developer or anything in between, it pays to select the mortgage most suited to you. A mortgage adviser will consider all your circumstances to find you the most favourable deal. They often have access to deals that you won't find on the open market, they may be able to negotiate better terms on your behalf, and they can advise you on special kinds of mortgage (such as self-build). Your adviser can also help you deal with issues such as credit history problems or being self-employed, as well as the basics such as how much you can afford in repayments.
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Help with legal needs - buying or selling a home, getting divorced, accident claims, making a will or advice on an employment issue.
You may need to take legal advice from a solicitor more often than you might think. There are the obvious situations such as house buying or selling, divorce, making a will, claiming compensation, or pursuing legal disputes that may be personal or work-related. But a solicitor can also be a valuable business adviser. They can help you decide on the best business structure (such as limited company, partnership or self-employed). They can also help you draw up your staff contracts, or deal with issues arising from company mergers. What's more, a solicitor who works with businesses will have a wealth of relevant experience, which can help you avoid pitfalls and seize opportunities.
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Personal tax or help for businesses looking for payroll support, tax advice, bookkeeping or an audit.
If you have income from multiple sources then you may need an accountant; if you run a business, then you almost certainly will. Personal tax can quickly become highly complex, bringing with it the risk of either paying too much or falling foul of tax legislation. As well as taking care of your tax return, an accountant can help you to be legitimately tax-efficient, advising on areas such as capital gains tax, maximising your allowances, planning for the future and keeping up to date with changes in tax law.
For your business, a good accountant is a must-have. Besides handling essentials such as payroll, year-end accounts and company tax returns, your accountant will be an invaluable source of general advice, knowledge and experience.
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