Pension* & Retirement Planning:
Maybe you have several pension schemes and not sure if they are right for you? You may consider consolidating them to reduce paperwork and seek a better return. Perhaps you are looking to build up your pension or are ready to start drawing on it; we will be able to help.
*The value of your pension investments can go down as well as up, so you could get back less than you invested. A pension is a long term investment. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
General Financial Planning:
Do you get the feeling that your finances could be working harder but are not sure what to do? Consider a full financial review focussing on general financial arrangements. Many prospective clients find this very useful as a starting point in financial planning. Once you understand what your future will look like, you can make informed decisions.
Later Life Planning:
Paying for care is often cited by clients as one of their biggest worries. Whether you are planning for your future or you, or a loved one, are at the point of requiring care; we are fully authorised to assist and advise in this area.
Are you retired with capital locked away in your property but struggling on a low income . As a fully authorised equity release advisers perhaps we could discuss this?
*Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may not be right for everyone. It may affect your entitlement to state benefits and will reduce the value of your estate.
Making sure you have the correct level of insurance in place to guarantee financial security for you and your dependants should the worst thing happen to you? We can talk you through affordable cover via whole of the market solutions.
Are you moving, re-mortgaging or purchasing a buy-to-let? We are here to help with whole of market solutions.
*Business Buy to let and commercial mortgages are not regulated by the Financial Conduct Authority
Savings and investments:*
Interest rates are at all time lows, perhaps your capital should be working harder.
*The value of your investments can go down as well as up, so you could get back less than you invested.
Estate Planning/Inheritance Tax mitigation:*
Planning your future financial position can be a daunting experience. We can help you understand your options and create implementation plans to potentially reduce your tax bill.
*Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.
Backed by the extensive knowledge and experience of Lighthouse Group, one of the best-respected financial advice companies in the UK, I provide advice on all main areas of financial planning including: Protection; Mortgages; Equity Release; Retirement Planning; Pension Transfers; Savings; Investment; Estate Planning; Inheritance Tax mitigation and Long Term Care fees planning.
Further information about the Lighthouse Group can be found here http://www.lighthousegroup.plc.uk/
Keith has gained a wealth of experience working in large business’s before joining Lighthouse Group as a self-employed Financial Adviser.
As well as advising Keith enjoys family life and involving himself in local activities including sport and music.
Telephone: 07753 788 330
Copyright 2018 © Keith Pulford of Lighthouse Financial