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The most important part of finding the right Independent Financial Adviser (IFA) is knowing that they can be trusted with your money. We offer truly independent and professional advice suited to our clients’ financial goals and appetite for risk. Ultimately, we’re here to help our clients make the most of their money.
One of the key areas of concern that our clients have is planning for the day they will eventually retire. In the past few years new legislation has made pensions an increasingly complex area and with large sums of money often held in multiple pots through changes of employment over people’s lifetime, getting the right guidance is vital. We aim to alleviate these concerns and ensure that, once your working life is over you will be financially comfortable and able to prosper in this new chapter.
Wealth preservation through the generations and minimising the impact of inheritance tax (IHT) on their estate is an understandably key concern for our clients. We aim to remove any uncertainty by explaining regulations, reviewing any existing plans to ensure they are structured in the right way, discussing how investments and pensions work from an inheritance point of view and introducing what measures can be taken to be more efficient in this area.
At Halcyon Wealth, our approach to divorce financial planning is twofold. Initially, we focus on the equitable division of assets, ensuring that all financial elements, including the more complex ones like pension schemes, are fairly assessed and divided. This involves a thorough evaluation of your joint assets, investments and retirement savings, providing clarity and fairness in what can often be a complex process.
When creating a robust financial plan it is crucial that in addition to making sound investment decisions, you protect against the unexpected. To that end we offer a comprehensive range of personal and business related insurance and protection policies.
We will review your existing policies through your place of employment, or private policies, to ensure they are relevant and suited to your specific situation or change in circumstances.
We believe Business Protection Insurance should be a key part of your business plan. Many businesses overlook protecting their most important assets: their owners and key people. Too few businesses cover the things that could finish the company and its income – the death or illness (including critical illness) of a business owner or key person.
As today’s diverse workforce have different motivations and lifestyles, there’s no one-size-fits-all option. A good benefits strategy begins by balancing the needs of the business, its people and budget. It’s about digging into the detail and creating a plan that suits your aspirations, then finding the most cost-effective ways to achieve them.
This type of investing has grown rapidly in popularity in recent years, and we at Halcyon Wealth are firm believers in it. That’s not because we think sustainable portfolios will deliver significantly higher financial returns than mainstream portfolios in the future; we don’t. But we do think that everyone has a responsibility to help avert a climate catastrophe, and investing in sustainable funds is an effective way of doing it.