Directors can use their companies to pay into Pensions Plans. This improves tax efficiency. Pension plans can also assist in Estate Planning as they can pension can be left directly to beneficiaries. This avoids 40% Inheritance Tax.
The Directors of Aagrah wanted to review their pensions with a view to making new contributions. This allowed them to mitigate some of the Corporation Tax paid. This means their business would be saving money straightway.
The Directors also wanted to review their Private Medical Insurance. As each of the director’s circumstances were different, this was done on a 1 to 1 basis.
Private Medical Cover can gave them access to the best hospital treatments without wait times.
Ash has been our financial advisor for many years now. He gives us a high level of support and service. He looks after us and makes sure we’ve got the right policies that we need. Ash explains everything very clearly. He gives us all the information we need and together we make the right decisions. Ash looks after the entire Aagrah family.
Mortgages and Buy to Lets can be a minefield. As new solutions are regularly brought in and lending criteria frequently changes. We can take the stress away by using independent research to find the best mortgage deals that save you time and money.
Naila is a Casting Director and professional Landlord. She wanted help re-mortgaging her residential property. Her current interest rate had finished and would have increased substantially. As a result of using our service she was able to save money.
Naila also found 3 new investment properties she wanted to purchase. This required new buy to let mortgages. By researching and applying quickly, Naila was able to get the Decision In Principle quickly and was then able to submit the full application.
I’m so glad I was referred to Ash from a good friend. I’ve used mortgage advisors in the past; however, Ash works extremely quickly which is what’s needed. He’s found me great rates and he’s saved me a lot of money. I highly recommend him! And have done so to my friends and family.
Estate Planning can help to save inheritance tax at 40%, as well as providing for your family and beneficiaries. The earlier you start, the easier it is to plan.
Andrea contacted me as she needed help with a regular income, and wanted to pass her assets to her daughter. Andrea was concerned with the money she’d have for everyday expenses, and also didn’t want her daughter to pay 40% inheritance tax.
Andrea now has a Wealth Preservation Trust that gives her a tax deferred income. It also means that after 7 years, her daughter will not have to pay inheritance tax as the funds will be outside of Andrea’s estate.
I consider myself a very lucky person to have met Ash. He an extremely efficient, competent, diligent, on-the-ball, knowledgeable, up to speed financial advisor. I know that I can always call him and share any worries with him and he will always put me at my ease. I thoroughly recommend him to anyone who is looking for excellent advice. They will not be disappointed.
Pension Consolidation is the process of gathering all of your retirement plans into one policy. This makes it easier to track and manage, as well as taking income and tax-free cash.
Rebecca contacted me as she needed help with her pensions. She’d moved jobs and found that she had multiple plans with different pension providers.
Rebecca now has a single pension plan that makes it easier for her to understand. The plan charges are lower, and her investment returns are higher. Her investment funds are now aligned with her atittude risk. Changes can now be made quickly and efficiently so that she knows it’s being managed well.
Ash has provided a fantastic service and has put my plans in order. I now have a better understanding of how much money I’ll have in retirement and when I can retire. I can’t recommend Ash highly enough. His knowledge and work ethic are of the highest degree.
Business Protection lowers the financial risks that occur when a key person is diagnosed with a critical illness, or even death.
Darren and Elliott run their own limited company. They had heard of shareholder protection and wanted to find out more.
Without the right life insurance policies, business owners can find that the shares are passed to someone outside of the company on death.
Life policies were arranged to provide shareholder protection so that the surviving director has money to purchase the remaining shares.
Critical illness plans were also arranged for Darren and Elliott to ensure business continuity. These types of plans protect against illnesses such as heart attack, various cancers, and stroke, providing a lump sum pay-out.
Ash has provided us with peace of mind, knowing that if the worst was to ever happen, the business can continue and support our families. Ash has also arranged pension plans for us and really knows his stuff around taxation and tax efficiency. I highly recommend speaking with him.