Financial planning often means different things to different people. You might want to finance the purchase of your dream home, reduce your tax liabilities or perhaps secure a decent income for your retirement. Alternatively, you may simply want to make sure your financial position is protected in the event of death or reduction in income.
Whatever your requirements, Meridian Financial Planning Ltd can advise you on the right decisions for your circumstances. All of our advisers are fully qualified and dedicated to providing advice specific to your individual needs.
Our approach to financial planning is simple. We work with our clients to create individual financial strategies to protect wealth and maintain financial independence.
The main advice areas are briefly summarised below:
Investing your money needs careful consideration and you need to be absolutely sure of the risks involved as well as tax implications. You should seek advice appropriate to your specific circumstances prior to making any decisions. It is also very important to regularly review your investment plans over time to ensure the strategy remains suitable.
The value of investments can go down as well as up and you may get back less than the amount invested.
The individual and group pensions market is an ever changing world, with new legislation being brought out on a regular basis, it is difficult to keep track of what options are available with regard to your retirement planning and we recommend regularly reviewing your plans and objectives with regards retirement.
For most people, taking out a mortgage on your home will be the largest financial commitment you will ever make. Taking the wrong mortgage can end up costing thousands extra over the lifetime of the loan, and what appears to be the cheapest on day one will not always prove to be over an extended period of time. There are now a very large number of mortgage types available to select from, all offering slightly different features and incentives.
Protecting your financial position and your families standard of living in the event of death, serious illness or loss of income is a top priority when it comes to financial planning. With this in mind, it makes sense to periodically review your cover with the help of a professional financial adviser.
Running a business is challenging. Whether it be sales and marketing, finance, ensuring adequate cashflow or staffing, there are a myriad of topics that need to be addressed. We can help explain the various issues that business owners need to consider, and offer advise on the best way of protecting themselves and their workforce.