OUR SERVICES

INVESTMENTS

Investing can take many forms and there are a vast number of different types of investments available to cater for all needs and objectives. Whether you wish to grow your wealth, generate an income or preserve the assets you already have, through careful assessment of your needs, goals and feelings towards ‘risk’, We can provide personal and practical advice in the most tax efficient way.

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

PENSIONS

Planning your retirement is quite possible the most important of all the financial decisions that you will make. With life expectancy on the increase and the cost of care rapidly rising, planning correctly will enable you to have the retirement that you want.

Forward planning can take the worry out of how you will cope and help to ensure that you will not be caught out when you should be enjoying your later years of life.

A pension is a long-term investment. The fund value may fluctuate and can go down. Your capital is at risk.

PROTECTION

We do not need to tell you that protecting you and your family is exceptionally important, however it is any area of advice that is often overlooked.

Richstone Park take this part of our service extremely seriously. The difference that it can make to the lives of those that are left behind, if your family’s home and basic needs are protected in the event that you are no longer able to provide for them due to serious illness, or death, is immeasurable and none of us can truly appreciate the impact until we have experienced it. Insurances exist in many forms, can be suited to any budget and circumstances, and should form a key part of any financial plan.

ESTATE PLANNING

It is very important to look to the future and find out the likelihood of potentially having an inheritance tax liability. Planning for this area used to be for the rich, but with growing affluence and general property prices, this is no longer the case.

Even families with relatively moderate level of wealth should consider estate planning to ensure that their wealth is passed onto their loved ones.

We firstly look to make sure that you have enough to provide a secure life. Effective estate planning is much about getting the right balance between maintaining access and utilising tax efficient solutions, making sure that as tax laws change you still have a clear guide to wealth management.

The tax treatment depends on the individual circumstances of each client and may be subject to change in future. The Financial Conduct Authority does not regulate Estate Planning.

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