Services
Pensions
Setting up a pension
A beginning to end process, including whole of market research to find an investment, guidance on contribution levels and how to achieve a comfortable standard of living in retirement.
Reviewing your Pensions
We can offer full support to find all the pensions you have. The aim is to build a full pension history and then see how your retirement plan looks. We write to pension providers on your behalf. We then review the pensions to see if they are suitable for your objectives, in line with attitude to risk and represent fair value.
Planning for retirement
Understanding your options clearly, help to see how much income you need, when you can retire and doing this all in the most tax efficient way possible.
Investments
Advice and access to Investment Managers
Investing can be a minefield and causes a lot of people anxiety, however it does not need to be this way. The key areas are:
- To find the correct timeframe to invest
- To find the most suitable wrapper (like an ISA or Bond)
- Determine your attitude to risk
- Ensure you have good diversification with your chosen investment.
- Regular monitoring
Follow this plan and you won’t go too far wrong; choosing the correct time line and diversification are probably the two most important factors.
At Bob Gibbs Financial Planning we openly listen to a client’s objectives and make sure that any money invested is done in the right way for the right time period, with risk and tax efficiency at the heart of the planning. A careful plan is put in place to ensure that when you need the money, it is there for you.
We work closely with a range of Discretionary Fund Managers (DFMs) to access some of the finest investment experience in the industry.
Making best use of business cash
Extracting money from your business to pay the smallest amount of tax possible with schemes actively encouraged by HMRC. This also smoothly links into retirement plans.
Inheritance Tax Planning
Understanding the 3 main strategies to mitigate Inheritance Tax. The detail behind this explained in simple in an easy to understand way.
Financial Protection
There are so many ways that you can affordably put the peace of mind you want in place. It is much more than just ‘life’ insurance. You can insure yourself, your family, your income, your business. Protection plans fit in with investing and retirement planning. It is important to understand the detail behind the policies you need and also not to be over or under insured.
Additional Services
