We advise on the most efficient way to accumulate your pension fund and the best investment strategy for what is, for most clients, the largest investible asset they will ever control. At the other end of their career we advise on how and when to take the Tax Free Lump Sum, and provide your desired income in the most tax efficient way.
Following the pension freedoms in 2015, there are various ways to access money from pension pots, therefore it is paramount that a right solution is chosen to best meet your retirement needs and requirements for income.
25 per cent of a defined contribution pension can be taken tax free and the remaining 75 per cent is taxed as earned income, therefore careful tax planning is most important. We will look at all your savings and investments to provide retirement income in the most tax-efficient way and help you to utilise your available tax allowances and reliefs in a structured manner to maximise returns and reduce, where possible, a potential tax charge.
Your investments may fall as well as rise and you may not get back what you put in
We provide financial planning to help our clients make informed decisions about money and establish what is important to them.
Inheritance Tax Planning
We help clients structure their assets to safely control succession and minimise tax.
Pension and Retirement Planning
The right solutions to best meet your retirement needs and requirements for income.
Annual Investment Review
We offer an annual Face-to-Face review of investments under management and the client’s situation.
Quarterly Rebalancing Service
We offer a portfolio review in which we construct, amend, provide commentary on and rebalance our clients’ investments.
Tax Efficient Investment
We help our clients to invest tax-efficiency, giving them the ability to make a choice suited to their knowledge and risk preferences.
There are a range of insurance and protection plans that can help cover you and your family in the event of ill health or early death.
Ethical funds are increasingly popular. More and more of our clients are placing greater emphasis on a socially responsible approach to investing.
Modern Money Financial Services Limited is authorised and regulated by the Financial Conduct Authority: 150571. Registered in England: No. 2459464. Directors: M Paine, L Edmunds
The Financial Conduct Authority does not regulate tax or estate planning
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
© Modern Money Financial Services Ltd 2019