Modern Money Financial Services

read moreMarcus is responsible for the performance of the company including: planning and implementing company policy; building and maintaining an effective team; assuming ultimate accountability for all company operations and ensuring that the company is conducting business in compliance with FCA regulations at all times. As a financial adviser, Marcus is responsible for providing specialist advice to clients, whether a commercial enterprise or private individual across a variety of financial products encompassing pensions, investments and tax planning.

read moreWe offer a comprehensive portfolio review, where we consider the market situation, reassess your portfolio's asset mix, re-evaluate and test all the funds you hold every quarter in January, April, July and October each year. This means your investments are rebalanced four times a year into a model portfolio, which is aligned to your risk preference. A review report is generated together with our commentary and a recommendation for fund switches and asset allocation re-alignments for the quarter.

read moreWe all live in increasingly challenging times: with expectations of longer lives, growing threats of market instability, movement towards portfolio careers, frequent and complex changes in financial regulations, a changing healthcare and educational system. Brexit is upon us, as well as new money formats, systems and providers, from banking apps to cyber currencies, and wrap accounts to online portfolios. All of this is contributing to new attitudes about corporate, personal, family and employee money and financial planning.

read moreWe help clients to consider how they, or their loved ones, would cope if they were to suffer an incapacitating illness or die. We find the most appropriate, best value for money and tax efficient way to provide cover. There are a range of insurances and protections that can help cover family and provide the peace of mind that your loved ones will remain looked after. Whole of Life Assurance (WOL) pays out a lump sum whenever you die and has no fixed term. It is more expensive than Term Assurance, but provided premiums are maintained, it guarantees future insurability, even if your health were to deteriorate.

read moreInheritance Tax (IHT) is a tax charge on any part of your estate that exceeds the inheritance tax threshold, called the nil rate band (NRB). This is currently 325,000 per person. Any part of the estate that exceeds the NRB threshold is usually subject to IHT on death at 40 per cent. There is an additional Residential Nil Rate Band (RNRB) adding (by 2021) 175,000 to the NRB for home owners. This gives a total of 500,000 per person (home owner) that can be passed on free of IHT. We help our clients to identify steps they can make to reduce the amount that may be payable.

read moreWe advise on the most efficient way to accumulate your pension fund and the best investment strategy for what is, for most clients, the largest investible asset they will ever control. At the other end of their career we advise on how and when to take the Tax Free Lump Sum, and provide your desired income in the most tax efficient way. Following the pension freedoms in 2015, there are various ways to access money from pension pots, therefore it is paramount that a right solution is chosen to best meet your retirement needs and requirements for income.

read moreThat is a question that only the client can truly answer. However, what we offer is our professional knowledge and years of experience, together with our strong belief in personal contact and building trust from the very outset. Having another person take the financial journey through life with you is very reassuring for most clients. We help you make more consistent decisions, based on more considered information. Not all financial decisions made between us will bear the expected fruit, but we will continually monitor the results of any decisions we make together and modify the process when and where necessary.

read moreWe help our clients invest tax efficiently, to ensure that they take advantage of every appropriate tax relief or tax exemption that fits with their overall investment strategy. There are number of ways to invest tax-efficiently, each with their own focus and benefits, giving our clients the ability to choose an approach best suited to their priorities and personal circumstances. Capital invested into an ISA is allowed to grow in a tax-free environment, meaning that any income (interest for Cash ISA or dividends or capital growth for Stocks & Shares ISA) is exempt from the respective taxes.