Financial planning services
Investments
Every client has a different goal for their investments, whether it be a long term goal for school or university fees, a nest egg for the future or to provide an income, we work with our clients to find a solution which best suits their needs. We can provide advice on lump sums or regular investment amounts. We offer tax efficient solutions, including LISAs and ISAs, and a wide range of different risk portfolios, including access to responsible investment portfolios for those who feel strongly about green investing.
Pensions
As with all our propositions, when it comes to pensions, we are with our clients every step of the way. From setting up a new pension for first time investors, through to helping high earners or companies mitigate tax by making contributions, and onto building a robust and sustainable retirement strategy for all. Each client’s goals for their pension are unique and we tailor our advice to build a bespoke solution.
Retirement
There are many options available to clients at retirement and this can be a confusing time. We can guide you through all the options available to you including taking tax free lump sums, entering into drawdown or purchasing an annuity. Using the latest technology for cashflow modelling we can build different scenarios with our clients to assess the impact of different life events on their plans for the future.
Personal and Business Protection
Whether you need life and critical illness cover to protect your mortgage, or key person or relevant life insurance for your business, we can discuss your needs and find the solution which best meets your needs. Putting these types of plans into Trust is often overlooked, but we can advise you on the best way forward depending on your personal circumstances.
Inheritance Tax Planning
When it comes to saving inheritance tax (IHT) there are many different types of schemes and trusts which are often confusing and potentially open to investigation by HMRC. We deal in straightforward and HMRC approved solutions only, so you can be assured that any recommendations we make do not rely on “legal counsel” or “our interpretation of the rules”. Providing clear and concise advice to our clients is at the heart of our ethos and we welcome discussions not just with our clients but with their beneficiaries as well to ensure everyone is happy with our recommendations.
Tax Mitigation
As well as helping solve inheritance tax problems, we also can advise you on mitigating income tax and capital gains tax through various HMRC approved schemes such as Enterprise Investment Schemes and Venture Capital Trusts. In these cases we often work not only with our client, but also with their accountant and we have strong links to many of the local accountancy firms.
Property SIPPs
Using a pension to purchase a commercial property, is a complex area which requires a financial planner who is willing to work closely with all parties to ensure a smooth transaction in what can often be a lengthy process. With a well established team working on your behalf we can advise you on the pros and cons of these types of investment which often come about from long term planning.
Trusts, Power of Attorney and Court of Protection
We are able to administer investments held in Trust or administered by a Power of Attorney or The Court of Protection. Our understanding of the legal requirements and limitations which these often have allows us to work closely with you to ensure any investments made are within the remit of any obligations imposed. We also work closely with many local solicitors and have built strong professional relationships with them.
We offer a full financial planning service using a fee based proposition.
Working closely with you, and possibly your accountant or solicitor, we aim to understand and establish your goals and the lifestyle your want to achieve. We then ensure we review this plan at least annually so that as your needs change we can adapt your plan to meet these changes.
We offer a full financial planning service to help you through all of the expected and unexpected financial situations which life creates from birth to death.
We aim to provide a long term relationship with the guidance to reach your financial goals.
We offer our clients a range of investment portfolios based on their attitude to risk, thus ensuring that they are kept up to date with market changes and remain invested in the most appropriate manner. We also work with a number of Discretionary Fund Managers to offer bespoke investments to complement our own portfolios.
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Upperton House
The Avenue
Eastbourne
East Sussex. BN21 3YB
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LawlerDavis Independent Financial Planners Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration number 615491.
The Financial Ombudsman Service is an independent Service in the UK for settling disputes between businesses providing financial services & their customers.
Full details of the FOS can be found on their website at www.financial-ombudsman.org.uk