for individuals

We advise individuals on financial planning matters, but do not advise on credit/debt matters.  Examples of matters that we advise upon include:

  • Retirement planning
  • pension accumulation
  • pension drawdown (income withdrawal, USP & ASP)
  • SIPP, SSAS, section-32 and Personal Pensions
  • pension provider selection
  • annuities
  • QROPS
  • pension consolidation
  • non-pension retirement planning

Investment/Portfolio planning

  • portfolio construction/asset allocation
  • fund selection
  • platforms and tax wrappers
  • income generation
  • capital protected products
  • discretionary fund manager selection

Taxation planning*

  • inheritance tax mitigation
  • individual & family trusts
  • family investment companies
  • income tax mitigation
  • capital gains tax mitigation
  • asset protection

Insurance policies

  • life assurance
  • critical illness insurance
  • income protection

*The Financial Conduct Authority does not regulate Tax advice

 

  • No investment decision should be taken based on the content of this website. Always take full advice first. The regulations governing tax rates and investments may change in the future. The value of your investment may go down as well as up. Past performance may not be a reliable indicator of future results.

    Elementary Financial Ltd is an appointed representative of Financial Limited, which is authorised and regulated by the Financial Conduct Authority. FCA number 497379.

    Registered office: 3 Cambridge Avenue, Sutton Coldfield. B73 5NA. Registered in England and Wales. Company number 6792585.

  • IFA in the West Midlands providing financial advice for individuals, families, companies, trustees and charities.