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WHETHER YOU NEED ADVICE OR AN EXTRA SET OF EYES THAT SEE OVER YOUR FINANCIALS, OUR ADVISORS CAN HELP YOU NAVIGATE THE WORLD OF FINANCE.
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CONTACT US FOR A CHANCE TO GET SPECIALIST ADVICE
Retirement Planning
Whatever age you are at its never too early, or too late, to start planning for the lifestyle you would like when you retire. In an environment of frequently changing legislation organising your retirement expectations can be a confusing and complex task, we are here to guide you every step of the way.
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We provide help and advice on all aspects of building towards retirement, including personal pensions, stakeholder pensions, SIPP’s and work place pensions.
Once you get to your chosen retirement age, we can help you plan and maximise your income using flexi-access drawdown, guaranteed annuities or a combination of these.
Pension Planning
With the recent emphasis that has been placed on pensions and automatic enrolment, it is a particularly important time to consider and understand measures you and your employer can put in place. Here at The Money Map, we can provide professional advice on pensions, and will translate any complicated technicalities into plain English to ensure you make the right financial choices. Having the right pension plan in place will significantly improve the enjoyment of your retirement, and our experienced financial advisers can provide you with impartial advice on all types of pensions.
Automatic Enrolment
Due to the savings gap and the lack of sufficient retirement planning, the government has recently introduced a scheme that will ensure at least 8% of an employee’s salary is put towards their retirement pension plan. This is funded primarily by the employee, and partially by the employee. Workplace pensions are arranged by your employer after three months of employment and help you to save for your retirement. Employers place a percentage of your salary into a pension scheme every time you are paid, and it is now a legal requirement for employers and employees to contribute to pension schemes if: – Employees work in the UK – Are aged between 22 and state pension age – Earn over £10,000 a year With the recent legislation, it is also possible for any individual of pension age to take as much – or as little – from their defined contribution pension savings as they like, with 25% tax free, and the balance being potentially taxed at the individuals marginal rate in the year it’s taken. Our experienced pensions advisers can provide further information on a number of retirement planning options.
Mortgages
Whether you are a first time buyer, moving home, re-mortgaging or wanting to purchase a buy to let property, our specialist mortgage advisers can help find the right mortgage for you. Our specialist mortgage advisers can help find the right mortgage for you from the whole mortgage market, and will help you secure the most affordable terms available.
Financial Planning &
Protection
Financial Planning
Our dedicated team of advisers can provide specialist, cost-effective, jargon free and impartial advice on all financial matters in order for you to make informed decisions for your circumstances.
All our advisers are highly qualified, experienced, professional and are here to simplify the process for you whilst building a strong and trusting long term relationship.
We provide financial planning on a broad range of areas including Inheritance Tax Planning, Wills, Probate, Trusts and Power of Attorney
Financial Protection
It is important to ensure your family or business are protected against the financial consequences of your death or a critical/long term illness We can ensure you have the correct cover in place to ensure your family and/or business are protected including mortgage protection, income protection, business protection, critical illness cover and private medical care. Workplace pensions are arranged by your employer and help you to save for your retirement. Employers place a percentage of your salary into a pension scheme every time you are paid, and it is now a legal requirement for employers and employees to contribute to pension schemes if: – Employees work in the UK – Are aged between 22 and state pension age – Earn over £10,000 a year With the recent legislation, it is also possible for any individual of pension age to take as much – or as little – from their defined contribution pension savings as they like, with 25% tax free, and the balance being taxed as income in the year it’s taken. Our experienced pensions advisers can provide further information on a number of retirement planning options.
Investments
Whether you are looking to invest for income, growth, or a combination of both, we can help you make informed decisions about a diverse range of investment products available to you.
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Taking into account your personal circumstances, tax status, capacity for loss and attitude towards investment risk, we can assist you in selecting an investment strategy that is right for your own personal goals and financial objectives.
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We advise on a broad range of investments from ISA’s, Unit Trusts, Bonds, Various Trusts, to Inheritance Tax Planning.
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Our experienced team of advisers can produce bespoke investment solutions that are suited to your requirements and objectives. There are a number of thorough procedures that we follow in order to achieve this:
This can be carried out as a face to face meeting, by virtual meeting (Zoom/Teams etc), email or telephone.