Every company has an impact on the world around us, so by investing in them, so do we. Responsible investing recognises this fact. It picks investments based on principles as well as profits, weighing up the costs your portfolio won’t show those paid by people, society, and the planet.
An investment is an asset or item acquired with the goal of generating income or appreciation. Appreciation refers to an increase in the value of an asset over time.
Generally speaking, a pension is a tax efficient way of saving money now, so you have an income in retirement. There are different types of pension plans available, depending on your circumstances.
We aim to provide a range of services for all your financial needs. We can assist you in everything from arranging protection for your family to ensuring your pension provides you with the right retirement possible. We can also advise in specialist areas such as Inheritance Tax planning and Final Salary Pension Schemes.
We are happy to see you at your home, in one of our offices in Cardiff or Llanelli or at a mutually convenient location for example a coffee shop or service station. We are also happy to conduct meetings via video call, telephone or email.
Firstly, we will advise you of all the costs and charges associated with any work we undertake before you agree to proceed. Costs are determined by various factors including the complexity of the work and the time taken to complete it, therefore, the cost will depend on your own personal circumstances.
Broadly speaking Capital Gains Tax is a tax on the profit when you sell or dispose of an asset that’s increased in value. It’s the gain you make that’s taxed, not the amount of money you receive.
Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died. The standard Inheritance Tax is only charged on the part of your estate that’s above the current threshold.
Inheritance tax planning is not regulated by the Financial Conduct Authority
