Earnshaw Consultants

read moreThe nature of our client base and the organic growth we have achieved means that our clients are based throughout the UK. We believe that our strong emphasis on personal service has been key to the longevity of the relationships we have built up with families which in many cases straddle two or more generations. Furthermore, over the years we have forged close links with other professionals including accountants, solicitors and stockbrokers, giving our clients a greater depth of resource and support.

read moreWe specialise in providing high quality personal advice on many aspects of wealth management, advising clients of widely differing financial resources and of all ages. Whether you have concerns about your retirement or need help managing your investments, we are in a position to help you find ways of making the most of your money for both the present and the future. We're here to help you choose the right way to invest your money in order to help you meet your objectives. In this section we've covered the most common types of investments.

read moreEffective tax planning means minimising your tax liabilities. We offer guidance on estate planning too, where there is more than just savings to be considered. Our UK tax year runs from 6 April through to 5 April. During this time everyone is required to pay an appropriate level of income tax on their earned income, which helps to pay for things like healthcare and education. As well as income tax, you can also be liable for capital gains tax on profits you make from any chargeable assets you have sold, or for tax on gifts you have made during your lifetime.

read moreIt can be a common belief that making a will and arranging a Lasting Power of Attorney (LPA) is something that only affects us later in life. The reality is that accidents, critical illnesses and even death can strike at any time. Being prepared and securing your family's financial future can make things easier for all involved. A will is a legal document that sets your wishes regarding the distribution of your property (and the care of any minor children). Failing to make a will could see your assets divided according to intestacy rules, making a will is critical in Inheritance Tax (IHT) planning and it is important to make sure it is well written and planned.

read moreFor illustration only we have a selection of useful calculators. We hope you find them useful but remember that the figures should not be used for making any financial decisions. A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. By gifting at least 10% of your net estate to charity a reduced rate of Inheritance Tax may be applicable.

read moreThe aim of life protection (or life assurance) cover is to protect you against the unexpected. It will provide money for people who financially depend on you. We need to consider the impact and consequences our death would have on the people most close to us. We can look at your lifestyle to tailor a protection package, ensuring your family will be financially secure whatever life throws at you. Helping you to protect the things that are important; your family, your health and your lifestyle. You only get a pay-out should you die within the 'term' of your policy.

read moreOur investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals. Investing can offer you a good opportunity of growing your money over the longer term. A long-term approach to investing is generally accepted as being likely to provide the most benefit. Whether you start paying in to a personal pension, invest in an ISA or invest on behalf of your children, the earlier you start the better. Both saving and investing can be used to meet both short and long-term financial needs.