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Wealth Management & Investment Services
What should your investment portfolio deliver? Long term capital growth? Acceptable risk? Diversity? Tax efficiency?
The answer of course is all of the above. We also work hard to ensure excellent value for money and simplicity of administration. TFM has an intelligent approach to investment and it produces results. The first step is to determine your risk profile, time scales and agree the asset mix accordingly. Step two, once the mix has been agreed is to adopt a ‘best of best’ approach to fund selection. The third step is to ascertain the most tax and cost efficient investment wrappers with which to hold these investments (eg Bonds, Pension etc). Step 4 is to stay on top of the market. If you want to talk to an adviser please request a call or send us an email. Staying on top
The market changes all the time. We keep your investments in line with your investment model by ‘rebalancing’.
Differing rates of return mean you do better if you adjust the asset mix regularly. TFM supports you in crystallising gains and establishing an effective investment discipline. To discuss this with an advisor, please request a call or send us an email. Asset performance has to be reassessed as markets change. TFM makes sure that your investments continue to mirror your risk requirements and we can hold review meetings when needed – annual reviews are a sensible choice. Of course your own plans may change as you get older and we manage a careful transition, ending up with everything in cash if that’s appropriate. To talk about yout future plans, please email us or request a call. Inheritance Tax (IHT)
Inheritance tax planning matters a lot. You need tax, legal and financial advice if you want to pass on your assets intact.
Our in-house resources embrace all aspects of IHT. Experts within Target guarantee a bespoke solution meeting your own individual requirements and circumstances. Email an expert your questions, or request a call to see how we can help. You can count on us for help with trustee investments and for IHT mitigation plans that allow you to access either capital or income (or even both) whilst still offering significant IHT savings. Dealing regularly with people who have large amounts of wealth we are comfortable with all levels of IHT planning. We also show you how your existing investments and pensions can be structured to ensure maximum IHT efficiency. Pensions & Retirement
Pensions offer excellent tax planning opportunities. “A-Day” in April 06 brings a revolution in pension planning. You’ll be allowed higher contributions and you will no longer be forced to buy an annuity from an assurance company at 75. To discuss your plans request a call or email an adviser.
It all means you can build a significant and tax efficient pension “pot” to pass on to your children and/or grandchildren after your death. At TFM we have specialists (click here to contact an expert) who consider the whole breadth of your needs and objectives for pensions and combined tax planning:
You’ve probably insured your home and car but not everyone insures what matters most – themselves.
We can show you the best insurance for your circumstances. That may be life cover, critical Illness insurance or income protection against sickness or disability. If you own a business, shareholder protection matters too. All too often a spouse is left with an unworkable minority stake following death or serious illness. That’s especially problematic if your spouse knows little about your business. We’ll help you create the right combination of effective insurance and a robust shareholder agreement. To enquire please click here to request a call.
For an initial talk, call us on 0845 241 3387 or alternatively, email an expert.
Target Financial Management Ltd is authorised and regulated by the Financial Services Authority. Tax advice is not regulated by the Financial Services Authority |
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