Financial Planning

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Financial planning will help you set and prioritise your goals and map out clear strategies for achieving them.

Getting to know you is central to everything we do; understanding your individual circumstances, aspirations and preferences allows us to construct a personalised and holistic financial plan.

A good plan should be adaptable to deal with the unexpected when it occurs, so your planning will be reviewed regularly to monitor progress towards your short, medium and long-term goals.

Where appropriate, we will construct a detailed cash flow model to help you make decisions and act as the foundation on which to build future planning.

We use powerful and flexible cash-flow modelling software to:

  • Assess your current financial situation
  • Understand what action may be taken now to meet your future goals
  • Highlight shortfalls and risks to your financial security
  • Present complex information in a visual and easy to understand format

Our client portal brings all aspects of your wealth onto a secure dashboard, taking the stress out of keeping on top of your planning. The portal includes a number of useful features such as:

  • A snapshot of your current assets and liabilities
  • Portfolio valuations with live price feeds where available
  • A secure way to upload and download documents containing sensitive information
  • A central place to upload and store your important documents
  • A ‘Go Green’ option allowing you to switch to paperless communication

Chartered Financial Planners logo

We are Chartered Independent Financial Planners, as awarded by the Chartered Insurance Institute (CII) the leading professional body for financial planners. Chartered status is the industry’s ‘gold standard’ of financial planning. Find out more about what chartered status means.

As Chartered Financial Planners, we are publicly committed to a customer-first approach and values that align with a professional Code of Ethics. We’ll provide solutions relevant to your needs, maintaining our knowledge through qualifications and ongoing professional development.

Financial advice is provided by Moore Kingston Smith Financial Advisers Limited (MKSFA), an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

Moore Kingston Smith Financial Advisers Limited, a limited company registered in England and Wales, no. 07694501. Click here for our terms and conditions.

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Family Protection

At MKSFA we help you to be prepared for the worst and provide peace of mind for when things go wrong.

Whether it is your life, health, or livelihood, the first step in effective financial planning is to protect what is most important to you. Wherever you are on your financial journey, MKSFA can create a protection plan that provides you with financial security to maintain your standard of living, protect your family and your future.

Our dedicated team of protection specialists carry out in-depth due diligence on all providers and products, and as independent financial advisers we look at the whole of the protection marketplace to offer you access to the most suitable type of protection to meet your specific needs.

Types of life cover

Term insurance policies provide protection for a predetermined length of time, and will pay out a lump sum if you die within this period. There are many different types of term policy, such as Level, Decreasing and Family Income Benefit that may be most suitable to meet your protection needs.

Whole of life policies will pay out a lump sum on your death at any time, rather than for a predetermined number of years. These are often used to cost effectively cover a future Inheritance Tax bill.

Income protection

This type of insurance pays out a tax-free monthly income, based on a percentage of your earnings, if you become unable to continue your normal occupation due to a health condition or injury. After a pre-agreed waiting period, you can claim a percentage of your earnings until the cover expires, you return to work, the policy ceases or you die.

Critical illness cover

If you fall ill or have an accident, critical illness policies are there to support you. These policies can be stand-alone or combined with life assurance. MKSFA can advise on the best plans to support your individual needs to help ease the financial burden of a serious illness and will pay you out a tax free lump sum.

Private medical insurance

This insurance policy covers the cost of private healthcare. This cover is designed to provide you with additional security and peace of mind. One of the benefits is that private care normally offers a shorter waiting time than the NHS. There are different levels of cover available which MKSFA can help you understand the differences.

As MKSFA is multi-disciplinary business we can work closely with our tax and legal colleagues to ensure these protection policies are set up both tax efficiently and compliment the provisions of your estate planning.

Property Finance

Whether you are looking for a property as a principal residence, as a second home (to enjoy a lifestyle), as an investment (to create income and capital returns), or as a commercial property (from which to run a business), getting competitive finance in place can make a significant difference.

How we can help you

Our experienced advisers can help you to find the most appropriate solutions whether you are looking to finance residential and commercial property purchases, or refinance existing properties.

For any property transaction, you should be aware of property tax and legal issues surrounding the ownership structure. This may be driven by estate planning objectives, protection against third parties, or simply to minimise the impact of personal taxes. Moore Kingston Smith are well placed to advise you on these matters and to therefore ensure that any mortgage is arranged specifically for the chosen structure on the right basis.

We act as an introducer to property financing experts who offer a ‘hand-held’ service from initially understanding your requirements right through to completing the transaction. In addition to removing much of the frustration and time that can be brought by trying to ‘do it yourself’, more often than not it is possible to obtain terms which are more competitive than those you can source from your existing banks or other lenders.

Your property may be repossessed if you do not keep up with your repayments on your mortgage.

Wealth Management

The majority of financial plans involve an investment of some kind. We advise individuals, companies and trusts on the most appropriate investment strategies.

We believe that diversification will significantly reduce risk and we promote the use of both actively managed and index-tracking investment mandates.

The most suitable investment approach will depend on your priorities, time horizons, experience, attitude to and tolerance for risk, and capacity for loss.

Therefore, we use a robust process to underpin all investment recommendations and to monitor their progress towards meeting the agreed objectives:

Wealth management review

 

We will take into consideration your other investments and assets to ensure a consistent approach that maximises your tax allowances and exemptions.

Our team provides advice on all regulated investment vehicles including:

  • ISAs
  • GIAs
  • Bonds
  • Tax-efficient investments

Financial advice is provided by Moore Kingston Smith Financial Advisers Limited, an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

Retirement Planning

Pre-retirement advice

Not long now! Now is the time to have a retirement readiness check-up. No matter how much you have put aside for your retirement, the decisions you take now can have a significant impact on the income you receive. You may be surprised at how much you can still increase your pension income even at this stage.

A whole of market independent financial adviser will be able to assist you in shopping around, so please view our videos to find out more.

Post-retirement advice

The very concept of retirement is changing, the quest for a phased retirement is becoming more common and the way we access our pension is now a lot more flexible. More choice over how you take your pension make for an exciting time, and planning ahead will help ensure you’re on track to a financially secure future.

Our videos will help you get started.

Financial advice is provided by Moore Kingston Smith Financial Advisers Limited, an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

Estate Planning

We can help secure a valuable legacy for your loved ones. It is important to plan ahead to mitigate potential inheritance tax (IHT) and ensure your wealth can pass on to your beneficiaries efficiently. We can provide you with estate planning advice to ensure your estate is handled effectively and distributed in line with your wishes.

Ask yourself what happens when you are no longer here? Will your family and loved ones receive the care and support they need?

MKSFA deliver careful and sympathetic planning so you can look to the future with the certainty of knowing your estate will be distributed according to your wishes and that any inheritance tax (IHT) liabilities are minimised or mitigated – leaving more for the people and things you care most about.

Inheritance tax advice

Estate planning can be a complicated matter. We will ensure your estate is arranged in the most tax-efficient manner that could make all the difference to the ones you leave behind. MKSFA can advise to ensure you have made use of inter-spouse transfers and any other exemptions available to you to minimise or mitigate inheritance tax.

Wills & lasting power of attorney (LPA)

Review your Will(s) to ensure that your current wishes are reflected and that you are maximising the IHT relief available. We will help you arrange a will that makes your wishes clear so those you love will be taken care of.

A LPA is a legal document that lets you (the ‘donor’) appoint one or more people (known as ‘attorneys’) to help you make decisions or to make decisions on your behalf. Our team can advise and arrange both medical and financial LPA’s on your behalves for peace of mind.

Trusts

With careful planning, trusts can provide a solution in order to support your loved ones in the future without losing control of your assets. At we will take time to understand your wishes and make the arrangements that allow you to provide for others in an easy and effective way.

Life assurance

If you know your estate is going to be liable for IHT when you die, one way to ensure your family can cover the bill is to take out a life insurance policy for the amount your estate will owe. This way, your beneficiaries won’t be forced to sell the family home or any other assets in order to pay IHT bills if they’re unable to fund the bill from other sources.

Inheritance tax investment portfolios

MKSFA can provide advice on investment in unquoted securities, including AIM-listed shares that can benefit from 100% business relief from inheritance tax after holding the investments for the two year qualifying period.

Business Protection

It is important to remember that your most business-critical assets are your people. Companies have two sorts of assets. First, there are its physical assets – offices, machinery, stock, motor vehicles and so on. Typically, these are almost always be insured by the company.

The second kind of asset is the people involved in the business. Success or failure is usually more dependent on human assets than any other factor, so it is critical that businesses protect themselves against the loss of vital individuals to secure their future.

Companies insure the Managing Director’s desk, but may fail to insure the Managing Director

We can assist you to protect the people that make your business what it is with key person insurance, director protection and shareholder protection.

The success of your business could be dependent on a few key employees – their skills, their connections, or innate knowledge of your business. Or it may be that you have a number of owner-managers and want to ensure management control remains with existing directors or shareholders if something happens to one of them. Whatever your concerns, we can offer solutions that can help.

Key person insurance

We can advise on how best to establish key person insurance so that you can protect against loss of profits in the event of the death or serious illness of your key employees.

Director and partner shareholder protection

Many private companies are owned by a small number of shareholders who are also Company Directors, heavily involved in day-to-day business affairs.

When a shareholder dies their shares often pass to their estate – typically their widow or widower or, perhaps, more distant family. Without appropriate financial protection and legal agreements it can be very difficult for surviving shareholders to purchase the deceased’s shares and keep control of their business.

We can advise you on how to protect your interests, and those of your fellow directors in your business with shareholder protection, so you have the means to purchase the shares of a director or partner if they die or if they become critically ill and can no longer participate in running the business. Thus, allowing you to maintain ownership and control.

Relevant life policies

Many small business owners are unaware they can arrange life assurance through their company. Relevant Life is a life insurance policy available to employers to provide themselves and key employees with an individual death-in-service benefit. It can also be a tax-efficient way for shareholder directors to take out life insurance.

We can advise on life assurance policies that are established via your business,

You can claim back Corporation Tax relief as a business expense, meaning that individuals need not fund their own policies.

Employee Benefits

We recognise every business is different and will take the time to fully understand the issues affecting you before providing any advice. We will work with you to identify how best to develop, review and deliver an effective employee benefits strategy, which leaves you free to concentrate on your own business.

We specialise in the provision of communication solutions to advise and educate employees, ensuring they fully understand and appreciate the benefits provided. We are dedicated to encouraging long-term relationships by providing a proactive and personalised service to ensure the benefits provided continue to be relevant, effective, and competitive.

Our comprehensive employee benefit programmes include pensions, healthcare and protection solutions.

Review

It is important employers regularly receive expert advice that takes into account changes in legislation, product innovation and to ensure the employee benefit strategy remains aligned with corporate culture.

Regular reviews of an employee benefits programme can ensure costs remain competitive and the optimum levels of benefit are provided. Each year we will work with you to review your company benefits. We can also offer any employer a one-off employee benefit health-check at any time.

Financial advice is provided by Moore Kingston Smith Financial Advisers Limited, an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

Charities and Trusts

We act as a conduit between investment houses and trustees of many charities and trusts. Our job as advisers is to ensure that the investment houses selected continue to deliver reliable, prudent and risk-managed returns for the trustees and ultimately the beneficiaries.

Being a trustee can be challenging, in particular, the Trustee Act, 2000 requires all trustees to obtain and consider ‘proper advice’. We can provide this advice and ensure you fulfil your legal duties and responsibilities.

We work with trustees to gain a full understanding of their requirements; then we help design an Investment Policy Statement. This statement is used as the ‘basis for tender’ to various investment houses. We then help trustees decide which investment house is most suited to their needs and construct portfolios to help achieve strong returns for the appropriate level of risk. We are mindful of income requirements, restrictions, ethical considerations as well as risk and the levels of volatility trustees are happy to accept.

Professional Advisers and Intermediaries

Our primary objective is to provide you with an independent financial advice proposition that complements the service you already deliver to your clients.

We respect the integral role that you have as their adviser and appreciate our advice represents one part of the close relationship you possess with your client. We have strong, established relationships with professional advisers across the UK and have specialist capabilities in a number of complementary areas.

Our video will tell you more.

Lead Contact

David Painter

Chartered Financial Planner and Director
+44 (0)20 7566 3729
Email: David Painter

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