Your
story
We support both individual clients and businesses who share the ambition of planning a secure future for themselves and their families.
Whether you are looking to grow your wealth, plan for retirement or have already retired, or are a business looking to ensure profits are extracted efficiently, we will tailor our advice to your specific needs.
Grow your wealth
If you are at a stage in your life where you are not quite ready to think about retirement, we can look at ways to ensure that you are saving and investing in a tax efficient manner.
This could be to build a rainy-day fund, or just to ensure that you are making the most of the tax allowances available to you.
Retirement planning
For most of us, retirement planning starts decades before we actually retire when we start work and make our first pension contributions.
But the closer you get to retirement, the more you need to think about the lifestyle you want to maintain in the likely scenario you will not have the same level of income.
Lifestyle financial planning matches your bucket list to your budget, allowing you to enjoy your retirement and support your loved ones.
Already retired
Many of our clients are already retired when they first contact us, concerned that they may have left it too late for financial planning.
It’s never too late! Now is the time to ensure that the capital you have accumulated during your working life is working for you.
Cailean will undertake a thorough review of your finances and discuss your aspirations for retirement and the legacy you want to leave.
Business financial planning
We will take you through the various options available and advise you how to both maximise your income, reduce your corporation tax liability and withdraw profits in a tax efficient way.
We’ll also work with you on your personal family finances and funding the retirement lifestyle you aspire to.
People are often the most important asset of any business, and we can look at putting plans in place to protect your business should you or your key employees suffer from a critical illness or loss of life.
Protection planning
We all need to plan for the unexpected. And protection planning is vital for both families and businesses.
Critical illness cover and life insurance will give you the peace of mind that you will have a regular income or cash lump sum if you become unable to work and that you have made provision for any dependents in the event of your untimely death.
Introducer
Cailean works with legal and financial professional advisers to deliver lifestyle financial planning services to your clients.
Over the years, we have successfully worked with IFAs nearing retirement who are looking to find a good home for their existing client bank, easing into retirement themselves. We find this one-to-one introduction and bespoke tailored handover to be an excellent way to protect client and adviser relationships.
If you would like to talk to us about the additional services we can offer your clients, contact us.