Personal Financial Advice

Investing for your financial future

At Simply Ethical we aim to help clients make their wealth work for them. We are keen to see the value of your investments go up in the long term so that you meet your life objectives that are important to you – Whether that’s saving for a deposit on your first home, paying kids university fees or provision for your retirement years.

Understanding how much you need to save, in what time frame, the most tax efficient of saving and the investment choices you have and the associated risks are all factors to consider. As your Financial Adviser, we can advise and devise an investment plan that helps you achieve your personal goals. Our Financial Adviser and Investment Manager will work together to devise a suitable investment strategy that works for you. 

The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment.

Planning for retirement

One of the key objectives of any retirement plan is the provision of adequate income in retirement. The state pension has been shrinking in relation to average earnings for years, therefore anyone seeking a comfortable retirement will need their own provision. Retirement for many will mean living on a smaller income than previously enjoyed, but through effective financial planning it is possible to minimise the change in financial circumstances.

We offer financial advice on all areas of investing for retirement, including personal pensions and self invested personal pensions and various others. We help you plan a retirement strategy which has the best chance of achieving your retirement objectives, suits your attitude to risk and has the flexibility you desire.

Pension review and transfer

We can help review your existing pension arrangements and devise a bespoke retirement plan that meets your objectives. It is crucial that your pension arrangements are continuously reviewed to ensure that you are always receiving the best on offer at any given moment in time. There are many reasons why you may wish to review your current pension scheme whether it be compliance with your ethical values, poor performance, issues over the security of the pension scheme, or a need to improve flexibility.

At Simply Ethical, we can offer a comprehensive review of your pension arrangements and recommend the most suitable solution that meets your objectives.

Estate planning and tax

It is important for everyone to make a valid will and to review it regularly, particularly where personal circumstances change such as getting married or having children or grandchildren. Anyone who dies without a will is said to have died intestate, which means that the estate would be distributed in accordance with the ‘rules of intestacy’. This obviously will result in an estate not being distributed according to your exact wishes.

Having a will in place can ensure that your estate is distributed according to your wishes and allows you to  specify your funeral wishes, appoint guardians of your children if you died, possibly minimise inheritance tax liabilities and much more.

At Simply Ethical, we can introduce you to specialist in Islamic wills and trust to help meet your estate planning needs. For those seeking specialist tax advice, we can introduce you to tax experts.