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Lifetime Cash Flow Forecasting
We offer our clients a comprehensive financial plan; this includes a valuable lifetime cash flow forecast, an indication as to whether their financial strategy will enable them to achieve their personal lifestyle goals and leave them secure for life, or whether they are likely to run out of capital at some point. We can also build scenarios, test the 'what if' questions clients invariably raise, such as death of a partner, or enforced retirement due to illness or disability.
How powerful would it be to be able to advise business owners when deciding if and when they could afford to retire, or calculate the sum they needed to realise from the sale of the business in order to achieve and/or maintain the desired lifestyle in retirement?
Business Protection
Why do business owners insure the desk they sit behind, but not the Key Person, the income generator sat behind it? It is fact that the vast majority of businesses in the UK do not have adequate protection for their most valuable assets,that is, their Key Personnel. We have considerable experience in advising business owners on Key Man Protection and Partnership/Shareholder Protection. Where necessary we can assist with draft wordings of Cross/Double Option Agreements and business trust documentation to mitigate the effects of CGT and IHT.
Advice to Trustees
The Trustee Act 2000 imposes specific duties on Trustees. These include the implementation of a standard investment criteria, regular revision of the suitability of the chosen investment strategy, which commisarially requires the need for diversification through differing types of investment held. We offer advice to Trustees on the suitability of different asset classes and investment risk, as well as on the most tax-efficient investment products to meet the Trust’s objectives.
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