Pensions
It really is never too early to start planning for your retirement.
The State Pension Age has increased to 68 for many people.
There are ongoing changes in State Pension structure.
So it has NEVER been more important to take responsibility for your own old age.
Again and again we have worked with clients that started planning early, or had left it very late, and we know first hand the difference an early start really can make especially given these changing rules.
At EJS we can help you plan and guide you through the range of investment strategies that are appropriate for your own personal situation and aspirations. If your circumstances and finances look complex to you, don’t worry – They simply look interesting and exciting opportunities for us!
When you are approaching retirement we explore the options for taking benefits from your pension fund(s) along with the tax implications. There is always a solution that best meets your needs and circumstances – from buying an annuity to drawing down capital or writing a scheme pension.
Investments
EJS’ experts can help you through the considerable investment maze.
There are investments that suit every person and their particular needs and goals. We will make a personal recommendation for you, which takes account of the amount of risk you are willing and able to take, as well as any particular preferences you have.
You get the peace of mind that we are truly independent. We are free to work with other specialist investment managers and offer an unbiased view on their suitability and capabilities
Protection
Life is full of unexpected events. No financial planning can ever predict them, but we can help insulate you from their catastrophic impact.
We organise life insurance and protection policies that ensure you and your family will remain financially secure no matter what happens. We can also help you cover specific inheritance tax liabilities and protect against unaffordable costs.
Reducing uncertainty is one of the key benefits of working with a financial adviser because it frees you to get on with your life.
Tax
All financial planning solutions have tax implications so it makes sense that we are always thinking about how to mitigate tax by taking advantage of reliefs and allowances.
Within your overall financial situation and objectives, we find tax-efficient ways for you to save, invest, protect and pass on your wealth.
Our solutions range from the straightforward, such as using your annual ISA and capital gains tax exemptions, to the more complicated, such as investing through trusts. We also advise on specialist vehicles that provide Government-approved tax-efficient investment opportunities, such as Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs).
Inheritance
Losing someone you love is a heart breaking experience for anyone. But without due care and consideration, inheritance tax can leave lives, families and assets broken for generations to come.
You must consider what happens after your death as part of your legacy to your beneficiaries.
Mitigating inheritance tax is more than just a one-off exercise and we will help you consider all the implications within your overall financial plan.
Depending on your circumstances we recommend solutions that can save significant sums of money.
We guide you through the various options available – from buying a dedicated insurance policy to giving away what you can afford while you are still alive.
If you are looking to find a more immediate solution we offer structured investment strategies that allow you to take advantage of the tax reliefs available. At EJS we understand the issues and technical details involved and can handle both straightforward and complex arrangements.
Employee benefits
At EJS we understand how important it is for a company to provide good employee benefits for staff as this can help to recruit and retain the best people. Before making recommendations, we will take time to understand your business and how best to provide a cost effective package that will be suitable for your strategy and business plans.
Benefits can be wide-ranging and some will fall within the regulated environment of financial services. Some examples of these are:
- Pension Schemes – advice in respect of auto-enrolment and salary sacrifice schemes
- Group Life, Dependants Pensions, Income Protection and Critical Illness schemes
- Health Care – private medical insurance and cash plans
- Employee Assistance Programmes – are intended to help employees deal with personal problems that might adversely impact their work performance, health and well-being.
- Key Person Insurance – to ensure your business is not affected by the loss of specialist skills or knowledge through the death of an employee
- Partnership and Share Protection – in the event of the death (or critical illness) of a partner or shareholder, this protection can provide sufficient funds to purchase the business share from either a retiring partner through ill health or, in the event of death, from that person’s heirs.
We can also provide face-to-face advice for individual employees by arranging regular surgery days at your offices.