Our Services

We are passionate about providing the best possible personal service to our clients.

Maximising wealth retention

Swimming pool with sun bed and parasolIt is one of life’s inevitabilities that the more successful you are, the more you will be taxed. By analysing your current personal and business financial situation and your desires for the future, we will be able to advise you on the best ways to reach your goals whilst protecting the capital and assets you have accumulated.

In addition to making the best of your finances, we can also advise you on the best ways to protect yourself, your family, your business and, in the event of the worst happening, your dependents.

Being totally independent and because we work on a fee basis rather than commission, you can be assured of completely unbiased advice. We cannot be swayed towards a particular provider by offers of higher commission or other incentives.

Eventuality Planning

Wherever possible, it is always best to make every attempt to provide protection in advance by covering all of life’s risks. We can give completely independent and impartial advice on all aspects of insurance, investments and pensions.

We can advise you on life assurance, critical illness cover, income protection, pensions, ISAs, unit trusts, investment bonds, individual shares - in fact anything relating to you and your family's financial well-being.

Eventuality Response

However careful you are to try to cover all eventualities, there may well be times in your life when things don’t go according to plan – unfortunately, with the complex lives that we live in the modern world, life is like that!

We have vast experience in dealing with the complicated financial situations that can arise as a result of things going wrong with the personal and business aspects of life such as family break ups, business break ups, accidents and illness.

For business owners, it is inevitable that personal and business finances and assets will be intertwined and it is vital to take advice to ensure that you are aware of the options that are available to you.

Won’t my Accountant and Solicitor be able to help?

Yes they will – to a point. Your accountant will deal with the finances and legal requirements with regard to tax, National Insurance, salaries etc and your solicitor will look at the legal aspects of the situation. We are effectively a bridge between the two; we work closely with accountants and solicitors in many cases and can look much deeper into the options that will be available to you. We will then talk through the details with you to enable you to make an informed choice.

We have particular expertise in dealing with Pensions in Divorce. Pension entitlement is often subject to intense legal negotiations and our knowledge of pension law and the pensions market along with ways of dealing with property and other assets enable us to put forward options that might not otherwise have been considered.

The differences in your financial situation when you emerge to continue with your life can be huge.

A typical example of how we have helped our clients

Commercial Property Purchase:
The client was having difficulty raising funds to purchase his commercial property. We assisted him in funding the purchase by utilizing plans that already existed in his portfolio. The client could not have been expected to think of this solution without our detailed knowledge of the options available to him.

Inheritance Tax

If you have children it is essential to ensure that the amount of inheritance tax they will be liable to pay in the event of your death is minimised. This is a case where you need to do something to prevent more than is necessary being paid to the taxman.

It isn’t difficult to arrange but it does have to be arranged and we can help. If you do nothing, the Government will get the money.

In basic terms, some simple things can be done:

  • rather than paying off your mortgage, put the equivalent value in a life assurance policy that is in trust and pays out on your death to enable your children to pay off the mortgage.
  • If your employer provides life cover, this should be put into trust.
  • make sure you have an up to date will. If you have not made a will, your estate will be distributed under the rules of intestacy. More about the rules of intestacy (HM Revenue & Customs website). *

Go to our Inheritance Tax page for more information...

Please call us on 01978 346960 or complete an enquiry form for further information or to arrange an initial free consultation.

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Kingsway Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. Reg. No. 452538 *

* If you click links marked with an asterisk (*) you will leave the website of Kingsway Wealth Management Limited and view the content of an external website.  Kingsway Wealth Management Limited cannot be held responsible for the content of external websites.