Estate planning – As this will typically require the involvement of a client’s tax and/or legal adviser, we will normally restrict our services to broking a specific life assurance based solution in the market such as a term or whole of life insurance policy to provide a death benefit sufficient to meet [inheritance tax] [death duties]. We always strongly recommend that clients’ should seek advice on any proposed insurance based solution from their tax and/or legal advisers.
Long term care (‘LTC’) – There are a number of available solutions to assist clients’ plan for meeting the costs of LTC and this can be a specialist area of advice that may require legal involvement as it may involve utilising the equity within a property to release funds.
School fees planning – We can assist with designing an investment programme to help fund school/university fees.
Mortgage advice – We can assist with obtaining appropriate mortgage terms from the market and facilitating placement with the lender.
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