Financial Planning

When it comes to your finances, do you have a plan for the future? If so, does your plan meet or exceed your financial expectations and will it continue to be appropriate in terms of risk, should there be a change in circumstances? More often than not, people haven’t taken appropriate steps to address their financial planning.

How we can help you

We can provide you with a succinct financial planning service that will identify your specific and general financial objectives and create a clear strategy that will allow these objectives to be met.

We take a holistic approach to financial planning, coordinating input from financial, tax and legal specialists to take account of your full circumstances, and giving special consideration to risk and tax issues. This enables us to provide you with a clear and tailored strategy to deliver improvement across a range of parameters.

As we are totally independent and work on an agreed fee basis, we are able to provide you with the most suitable solutions, utilising the products and services from carefully selected UK and international financial institutions.

Our financial planning services include:

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.

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

Moore Kingston Smith Financial Advisers (MKSFA) are Chartered Independent Financial Planners, as awarded by the Chartered Insurance Institute (CII) the leading professional body for financial planners. Find out more about what chartered status means.

 

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Employee Benefits

Developing a package of employee benefits is a great way to reward and incentivise your staff. But it can be difficult to know where to start. We can work with you to identify how best to develop, review and deliver an effective employee benefits strategy, including pensions, healthcare, or employee protection solutions. We know that every business is different, so we’ll take the time to fully understand the issues specific to yours.

Ongoing support

Once your employee benefits package is in place, our support doesn’t end. We provide long-term support with a proactive and personalised service, ensuring that the benefits you offer continue to be relevant, effective, and competitive. We can even devise a communications strategy, so your employees have all the information they need to fully understand what you’re providing.

Employee benefits review

Each year, we’ll work with you to review your company benefits — and can carry out a one-off employee benefits health-check at any time. It’s important to regularly review your employee benefits package to check it’s still in line with legislation, account for any new product innovation, and to ensure it remains aligned with your corporate culture. Reviews are also a great way to ensure costs remain competitive and that you’re providing the best benefits available.

Group Risk and Healthcare review

Ever changing employment laws, market regulations, taxation rules and employee expectations mean it’s vital to keep a close eye on the Group Risk and Healthcare schemes that you offer.

We can carry out regular reviews of your existing Group Risk and Healthcare arrangements, including schemes like Group Death in Service (Life Assurance), Group Income Protection, Group Critical Illness and Private Medical Insurance.

We can ensure the benefits remain compliant, current, and fit for purpose. We’ll also identify potential issues and provide recommendations.

Company pensions review

We can provide guidance and support to your business in all aspects of company pension schemes, including establishing new schemes, managing existing arrangements and auto-enrolment and all legislative issues.

Pensions are typically the most expensive employee benefit to provide — but staff are often not that engaged with them. We’ll work with you and your employees to help them obtain the maximum benefit from your pension arrangements, including engaging on their contribution and investment selection decisions.

To talk to us about developing an employee benefits package for your business, don’t hesitate to get in touch.

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.

Family Protection

Family protection is important. Whether you are at the stage where you are focussed on earning income to support your family and to be able to afford certain lifestyle choices (such as a property purchase or private education), or at retirement age where your focus is on producing unearned income to support you and your spouse (and also possibly wishing to financially assist your children), one question is likely to be on your mind: ‘What can I do to plan for my family’s financial future should my circumstances change?’

How we can help you with family protection

A key part of our financial planning service is the identification of risk and the consideration of steps to mitigate risk.

Sadly, the wellbeing of the family can be devastated by events such as redundancy, business failure or divorce. In these situations a careful re-assessment of your financial planning strategy will be required.

But what about unexpected ill-health, disability or even death preventing you achieving your goals? Fortunately, the ability to protect your family against the financial effects of ill-health, disability and death is very achievable.

We provide specialist assistance to carry out a review of your existing financial family protection and we analyse the input from employee benefits, government support, the asset value of a business and existing family wealth. We then equate this to your current lifestyle and expenditure going forward.

As independent advisers, we are able to select from a wide range of insurers, with an ever growing range of protection products, to offer you the right financial protection not just at one moment in time but on an ongoing basis.

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.

Retirement Planning

It’s never too early to start retirement planning. Whether you’re at the accumulation stage – making tax efficient savings from your income or capital – or already retired, we can advise you how best to invest your income and capital to help you live your ideal lifestyle in retirement.

Before you retire

No matter how much you have put aside for your retirement, the decisions you make now can have a significant impact on the income you receive. So if your retirement is in sight, it’s a good idea to have a retirement readiness check-up with an independent financial adviser. You may be surprised at how much you can still increase your pension income, even at this stage.

After you retire

The very concept of retirement is changing. Phased retirement is becoming more common and the way we can access our pension has become a lot more flexible. One of our financial advisers can discuss all your options with you, work with you to plan ahead and help ensure you’re on track to a financially secure future – whatever you want it to look like.

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.

Wealth Management

With an ever changing tax regime, as well as market volatility across asset classes, wealth management has become highly sophisticated and requires the skills of specialist professionals. Furthermore, for your wealth to be managed effectively, a deep understanding of your personal circumstances and objectives are needed. Only from such a position can a strategy that accounts for tax efficiency, risk mitigation and flexibility be developed which can meet your specific requirements and aspirations.

How we can help

We can develop with you a wealth management and preservation strategy that is bespoke to your circumstances and objectives. By choosing not to directly manage your investments, we are also able to use our own independent research capabilities and tax knowledge to introduce you to carefully selected investment management groups, as well as considering products and services from insurance companies, banks, building societies and the Government that suit your needs. This enables us to construct portfolios of all sizes, in the most appropriate structure, and to ensure ongoing suitability through regular reviews.

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.

Lead Contact

David Painter

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

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