SERVICES
not used!
• Pensions
• ISAs
• Life Assurance Bonds
• Venture Captial Trusts
• Enterprise Investment Schemes
Business Owner Financial Planning
Achieving financial independence is a goal for many business owners. But it can be difficult to look at the bigger picture when you can’t find the time to consider what you need. Being able to align your business and personal goals is an important step in the process.
Our approach is to look at your situation as a whole to create a complete set of requirements. Once we have these we can talk about the options available to you and what financial plan would be the best.
Approaches to drawing income in a tax-efficient way.
Purchasing a property from where you can operate your business.
Additional compensation elements designed to further reward staff.
Schemes that will collect then invest pension contributions from employees and employers.
Safeguarding from the financial impacts of anything happening to key employees.
A complete roadmap for exiting a business successfully.
Options for raising and managing additional funds to help you grow.
Cascading leadership roles and business wealth to the next generation.
Recognised tax-efficient ways to take the profit out of your business.
Saving and investment planning
Being able to save and invest your money is good for safeguarding your financial future. This can be a difficult area to navigate if you’re not sure about the financial, legal, and tax obligations. Pathfinder Financial Planning is committed to providing advice and support to help you reach your goals.
There are many different types of vehicles to consider but as part of our wealth management service, we seek to understand your overall objectives, timelines, income requirements, and attitude to risk. A strategy can then be formulated based on those needs and resources allocated.
How and where to invest your money to receive the allowed tax
benefits.
A range of insurances to protect you and your family should the worst happen.
A long-term plan to pay money into your pension.
Put a plan in place to make sure your loved ones benefit from your estate.
Allocating money to save for the short, medium, and long-term.
Plan for your retirement
Creating a roadmap to ensure you can stop working but still enjoy doing everything you want to do is a goal for many people. A pension is something you pay into during your working life and provides a valuable income source in retirement.
Consolidating your pensions or reviewing your contributions and investment strategies will help you assess how much money you’ll have when you retire. When and how to take your pension is another consideration. You may have the ability to flexibly draw down a tax-free lump sum as well as your pension payments. These are areas where we can provide you with the advice to maximise your options.
How much to pay into your pension based on your earnings and allowances.
The financial limits you can build into a pension pot to gain the full tax benefits.
If you have more than one pension pot, bring these together to make them more manageable and work smarter.
A process to establish how much money you require in retirement and to create tax-efficient income strategies.
A plan to ensure your pension assets pass on to beneficiaries in a tax-efficient manner.
Lock funds away in medium to longer-term saving plans to gain more returns.
Self-invested Pensions for those who want greater flexibility around their investment and retirement income strategies.
Inheritance Planning
Ensure your loved ones are taken care of in the future. We can help you create a plan that allows your assets to be preserved tax efficiently, which includes using strategies such as:
Making a will ensures your wishes are carried out and that your estate is distributed in the way that you want.
Effective use of allowances called the nil rate band and residence nil rate band.
Life assurance policies, when written correctly, allow for easy settlement of an IHT bill without the need for the estate to sell down assets to settle IHT.
Gifting wealth during your lifetime and using various gifting allowances, is effective to reduce your estate value and thus IHT bill.
Trusts can also help you reduce an IHT liability, but also give you control over how wealth is used by future generations.
Certain investments are IHT exempt once held for a certain period of time.
Tax Planning
• Pensions
• ISAs
• Life Assurance Bonds
• Venture Captial Trusts
• Enterprise Investment Schemes
Pathfinder Financial Planning is an independent company which means we can look at the whole of the market to find the right products for your needs. Focused on building long-term relationships with our clients to give you the freedom to enjoy life at whatever stage you’ve reached.
Here’s what some of our customers say about the service we provide…
Navtaij Hundal has been my Financial adviser for approximately 8 years.
He has a good work ethic, coupled with a sound knowledge on money matters and dispenses this knowledge in a friendly reassuring manner. He is totally honest & reliable, committed to giving good service whilst being approachable & understanding of my circumstances.
I have known Nav since 2014 when I was looking to consolidate my numerous different pensions from previous employers, his help and advice were excellent and with his guidance I was able to take early retirement and pay off my mortgage. His support through the recent challenges presented by Brexit and then the pandemic have been so important and would strongly recommend him to anyone looking for investment or pension advice.
We are pleased we met Navtaij. He has provided invaluable advice to help my family build its portfolio, through careful tax planning, investment advice and pension provision.