4 Independence - Services

The Services We Offer

	Tax efficient investments Tax efficiency is paramount in the investment and savings arena. Where should you invest in these uncertain times? We can help you produce a portfolio tailored to your attitude to risk, as well as tax status. We will also bring existing investments into the equation, utilising vehicles such as ISAs, Unit Trusts and Investment Bonds etc.
	Estate preservation With house prices rising, many people may find their estates liable to inheritance tax (IHT). Working hand in hand with a local professional solicitor practice, we can offer specialist guidance and advice in helping to reduce or eradicate any potential IHT liability and help ensure that as much of your wealth, as possible, is passed to your beneficiaries. The Financial services Authority does not regulate taxation and trust advice.
	Long term care There may come a time when we shall all need some form of care. Costs can run into hundreds of pounds per week. We help in planning to fund these costs through investment planning and/or specialist products, which can provide a guaranteed tax free income for the rest of your life, allowing you and your family peace of mind that there will be enough to provide the care required.
	Retirement planning We can offer assistance in identifying needs in this area and offering cost effective and tax efficient solutions to individuals and to the corporate market, in areas including Stakeholder, Personal Pension, Group Pensions and Executive Pension Plans. We can analyse your existing pension arrangements to ascertain whether the charges and funds you currently have are competitive, with the aim of achieving the retirement you deserve. We can also put you in touch with a Specialist Pension expert for the more complex occupational schemes.
	Options at retirement Having saved for retirement, it is important that your pension is paid out in the most effective way. Receiving the retirement income (annuity) from the existing provider isn't necessary, and following research we can often improve the annuity income received. We can help you to choose the most suitable type of annuity, offering advice on income drawdown, phased retirement, impaired and enhanced annuities etc.
	Family protection This area ensures you and your loved ones are financially protected should the unthinkable happen, for example, you lose your income, suffer a critical illness, or even die. All things you do not really want to worry about when enjoying life.
	Mortgages Whether you are looking to purchase a property for the first time, move, re-mortgage, or raise more capital, we can arrange an appointment with our Specialist Mortgage adviser. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £200.
	Corporate planning We can implement Company Pension Schemes, Partnership Protection and Key Person Insurance to reward your staff and protect the right people.

Anything we missed
If there is something you need to discuss not shown here please do not hesitate to call us. If we do not know the answer there and then, we have many contacts throughout the Financial Industry that we could put you in touch with including Solicitors, Accountants and other Professionals who may be able to help.