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© 2019 Purple Accounts

Purple Accounts Stockton Heath

28 Walton Road,

Stockton Heath

Warrington

WA4 6NL

01925 268753

Purple Accounts Padgate

144 Padgate Lane

Padgate

Warrington

WA1 3SP

01925 650202

WEALTH & ESTATE PLANNING

for small business owners

One of the world’s top ten biggest fears is financial independence.

 

The ability to know your financial future is safe and secure and what you are doing now will support you and your loved ones right through into your retirement years. Imagine if your savings, investments, or property income was to fall short of what your needs were in old age? It would be too late by that stage to save more money, raise more capital take more risk to get more reward.

FINANCIAL PLANNING REVIEW

A plan that covers all of the following areas of advice to make sure you and your family have the financial future you want

INCOME AND EXPENDITURE

 

Are they tax efficient or can you look at making all income sources pay less tax. We will show you how.

We will analyse where and how you spend and develop a plan to reduce this in most cases by 15%.

RISK

 

Inflation, savings rates, institutional risk, investment, diversification. We will help you to lower your personal risk and diversify what you hold to meet you long and short term financial planning goals.

SAVINGS & INVESTMENTS

 

Your rates of return, ISA’s, use of bonds and the effects of inflation on all of these. Here we work on finding you better rates, lower risk or more diversified investment plans with lower costs.

DEBT

 

Mortgages, overdrafts, loans, we look at how you have structured all of these and work out how to reduce the costs and lower the length of payback, giving you more money to do the things in life you want to do.

TAX IMPLICATIONS 

 

Personal allowances and how they being used, your employment status and how you take income, capital gains tax (CGT), inheritance tax (IHT), business property relief (BPR), holdover relief (HR). 

PROTECTION

 

Are your plans suitable, tax efficient and affordable? Types of plans you may have or are considering are:

Life cover to repay debts, replacement income for your family on your death, critical Illness, income Protection and accident sickness or illness cover

CHILDREN

 

Do you wish to save or invest for their education fees or simply be able to afford a small savings plan each month to get them started later in life. Here we look at products available to you right now to achieve this.

ESTATE PLANNING

 

Are they tax efficient or can you look at making all income sources pay less tax. We will show you how.

We will analyse where and how you spend and develop a plan to reduce this in most cases by 15%.

RETIREMENT & PENSIONS

 

Our bespoke financial planning tools will show income and expenditure to age 100. This gives you piece of mind that all your life goals are achievable and maybe even at an earlier date.  If you have old plans from an ex employer or plans that have become frozen, we can use these to help shape your financial future. We may well be able to utilise old pensions within a commercial business to help that business grow. 

LONG TERM CARE

 

Does someone in the family require care? We can help you and them manage their affairs to be able to afford better accommodation outside the home or within their own home.

OUR FEES

Financial review meeting

1 hour complimentary meeting at home or work, to review your current and future financial plans.  

Implementation of financial planning meeting

Review current plans
Research marketplace to find solutions to your needs

Fee based upon your needs,administration and para-planning costs.

Bespoke financial plan
Lifetime cash flow

2 hour meeting and all research as above but with lifetime goals discussed in depth. 

Creation of bucket list and annualised income and expenditure report.

See example report here:
Click Here to Download

£1250 plus VAT

Need further advice? Purple Accounts can help!

Our advice is fully independent and we search the entire marketplace to offer you the best advice. We are regulated by the Financial Conduct Authority (FCA).

Purple Wealth Estate and Planning is a trading style of Assured Wealth and Estate Planning Limited is as appointed representative of LJ Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. 582900.

Please contact Mark:

mark@purpleaccounts.com

01925 396165

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