Positive Solutions - Planning Tools

PLANNING TOOLS

We can’t all be experts when it comes to financial advice and you can’t be expected to understand what financial services are available to you. So we have created this section of the website to provide simple and straightforward information on the areas of financial advice offered by our IFA Partners from savings through to sorting out mortgages, as well as business planning. If you want to know more about any of the following topics make sure you speak to one of our IFA Partners.

Financial Planning

It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security. One of our independent advisers can help you map out the best routes for you to take. Your independent financial adviser will offer holistic advice that will take everything into account to ensure that every possibility is explored, every base covered, and every penny works for you. Contact one today.

Talk to a Financial Adviser

Savings and Investments Planning

In the present economic climate, we have to work that bit harder to make the most of our savings and investments to achieve the returns we would like. IFA Partners have to use all their experience and skill to maximise your money. All we can say is that you should put them to the test as soon as possible.

The value of investments can fall as well as rise, and you can get back less than you invested.

Talk to a Financial Adviser

Retirement Planning

We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Our advisers can examine the best ways to ensure that the advice and products they recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.

The value of pensions can fall as well as rise, and you can get back less than you invested.

Talk to a Financial Adviser

Protecting your loved ones

The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. An IFA Partner will be happy to make suggestions that will give your loved ones protection - and you peace of mind.

Talk to a Financial Adviser

inheritance tax Planning

Inheritance has become a hot topic amongst politicians in recent years. It is one that we ignore at our peril. Without the right inheritance tax provisions the Government could benefit more from your life’s work than your family. That’s why it is important to work out what you may be liable for on death - and then talk to an independent expert on how best to balance things in your favour.

Inheritance Tax Calculator

mortgage solutions (and equity release)

Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek independent advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should only be considered with the advice of someone who has no strings attached. That’s why you’ll feel at home with one of our IFA Partners.

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

We give you the option of paying a fee for our mortgage advice. The precise amount will depend upon your circumstances, but will typically be £100 – £300 per hour. If you choose to pay a fee and we receive commission, we will pay that commission to you.

Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration.

We give you the option of paying a fee for our lifetime mortgage advice. The precise amount will depend upon your circumstances, but will typically be £250 - £350 per hour.

How Much Can I Borrow? Monthly Repayment Calculator

corporate planning

When you are busy running a business on a day-to-day basis, often you haven’t the time to really look too far ahead. One of the services we offer is to help business people look at their corporate financial planning. We have the time and expertise to review financial areas that could help protect the company and benefit your business in the long term. Why not make it your business to have an informal chat with one of our IFA Partners?

Download the Positive Solutions Protecting Your Business Guide