HOME AND FAMILY
WORK AND BUSINESS
SAVING AND INVESTING
GENERATION PLANNING
This is mainly about where and how you live, and the important relationships in your life. It takes into account the needs of today, whilst planning for future needs. It also ensures that plans are not disrupted or prevented along the way, which means protecting vulnerable areas.
This is about the important role of work in our plans. It covers a range of benefits for the employed and career development, but also integrating business with personal planning for executives and business owners. In both cases, the emphasis is on building up assets for the future.
This looks at having a broadly-based spread of cash as a reserve, together with tax efficient medium to long term investments. Key considerations may be access to capital when needed, understanding of the balance between risk and reward and reflecting people’s ethical, environmental or religious principles.
This is about helping the current generation to help the next, encouraging people to have up to date wills, as well as using trusts and gifts effectively, and ensuring that business assets are passed on in the best way.
The value of investments can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.
Will writing and trusts are not regulated by the Financial Conduct Authority.