NEW NAME
SAME ETHOS
HERE FOR YOUR FINANCIAL PLANNING
OUR SERVICES
Let us help you steer your ship into the safe harbour of retirement. Navigating changes in your circumstances on the journey to provide best advice.
We don’t believe your life is categorised as low, medium or high risk. That’s why our investment philosophy refuses to put you in a band and tell you what you should be doing with your money. We believe every client is unique and that their preferences and needs may not be the same as any other valued client at our company. This is why we do not pigeonhole clients but discuss all of the available options and create an investment that ticks all of the boxes for you.
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Being independent we can advise on investment options in addition to our in-house offerings. This will include other major firms and household names. This is also true of mortgage and protections options we recommend, where we will investigate the entire market to find the most suitable option to your needs.
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PENSION PLANNING
Enjoy a happy retirement. Let us do the hardworking, so you don't have to.
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It has never been more important to plan for retirement. With decades of experience in pension advice, our Financial Advisers are well equipped to guide you through your working life growing your pension pot to ensure a healthy income is waiting for when you retire.
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There are many different reasons why individuals may look at reviewing their pensions. We can help you take control of your funds, getting them where you can see them ready for the future.
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Review Existing Schemes
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Set Goals and Target Retirement Income
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Make Tax Efficient Contributions
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Annual Reviews to Track Income Projections
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Access Tax Free Cash
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Please Note we do NOT advise on Deferred Benefit (Final Salary) Schemes
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Discretionary Management
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Managed Portfolio Service
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Bespoke
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Advisory Stockbroking
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ESG Investing
INVESTMENTS
We provide a range of investment management services for your pensions, investments and ISA's.
Through our investment committee we select the right assets and closely monitor to ensure we achieve the the desired result.
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The portfolios are managed by a dedicated professional team with many years of experience. This covers risk weighted portfolios for the ultra cautious to speculative.
If we required something more bespoke, we understand one size may not fit all. We can tailor investments to your individual profile.
Some investors prefer to have an opportunity to have a final say on which assets are purchased for your portfolio and at which level they are sold.
ISAs
Every UK resident has the ability to save and invest up to £20,000 per annum in a tax free environment, otherwise known as the Individual Savings Account (ISA).
Trading stocks and shares within an ISA wrapper can offer a great level of flexibility to investors. We are able to advise upon your existing ISA and the equity holding within it. Capital gains taken within an ISA are not subject to tax and any income taken from an ISA is not subject to income tax making it an attractive investment tool.
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A great benefit of investing in ISA’s is that there is no upper limit on what your ISA investment can grow to. ISAs can be ideal for growth investments as well as for income investments, although investing in the stock market carries the natural risk that the value of your investments may go down as well as up.
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It is worth remembering that Stocks and Shares ISAs are available to individuals only aged 18 or over and who are resident or ordinarily resident in the UK for tax purposes. All ISAs must be held individually, a couple may not have a joint ISA.
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Available to UK Residents
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£20,000 Annual Contribution Allowance
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Tax Efficient Wrapper
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No Upper Limit on Growth
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Risk Rated Portfolio of Stocks and Shares
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Potential Rate of IHT
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Understanding Current Allowance Thresholds
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Investigate Reliefs and Exemptions
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Reduce the amount of IHT your Estate will pay
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Future Planning
INHERITANCE TAX PLANNING
Inheritance Tax (IHT) is arguably the most criticised tax in the UK. IHT is levied on the value of a person’s estate at the time of their death. This will include a person’s property, money and possessions.
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There is normally no IHT liability should the value of the deceased’s estate falls below £325,000, the current IHT allowance. Above the allowance, the standard rate of IHT is 40%.There are several reliefs and exemptions that can help reduce the amount of Inheritance Tax.
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Our financial planners can provide advice on the reliefs and exemptions available to you, helping you reduce your IHT bill as much as possible for when you pass away.
The earlier you prepare for this inevitability, the better. These plans can involve making gifts to your chosen beneficiaries at least seven years before your death, taking advantage of Business Relief, or investing part of your estate into listed share on the Alternative Investment Market (AIM). These investments would then benefit from IHT relief after being held for 2 years.
Working closely with our investment arm, our financial advisers can guide you through making prudent investment choices that would then fall outside of your estate for IHT purposes.
Shares in AIM companies are likely to be high risk and volatile. Their value, and the income arising from them, may go down as well as up, and there is the possibility that investors could lose their entire investment.
PROTECTION
No one likes to think about the worst-case scenario, however, is critical we protect our loved ones should a situation occur that would leave them without the necessary financial resources to cover your family commitments.
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Whether it is your family, your income, your mortgage, your health – protect what matters to you the most and make the right choice for you.
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There are many options available when it comes to protection. Our financial advisers will search the whole market explaining the benefits of each type of policy to make sure you get the best policy at the right price.
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Life Insurance
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Critical Illness Cover
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Income Protection
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Landlord Insurance
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Buildings and Contents
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Mortgages
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Re-mortgages
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Buy To Let
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Limited Company Purchases
MORTGAGE
We are here to understand your requirements and present advice via our extensive panel of lenders and insurance providers. Do not get frustrated with searching the internet, on-line portals or confusing websites with difficult questions and lengthy applications. We are real people with empathy and expertise alongside a hard-working attitude and an unquenchable desire to deliver your goals.
Our comprehensive consultations enable us to fully establish your objectives and present the solutions to achieve them. There are a few types of Mortgage Brokers. Some are Independent, like us, meaning we can search the whole of the market for both Mortgages and Insurance. Some are "tied" and can only offer products from a range, or even just one single lender. Banks and building societies can only offer mortgages from their own range. We think it is best, and most useful for our clients to be independent, so we can offer mortgages from the whole of the market. A good broker will have in-depth knowledge of the whole market and offer you the most appropriate advice.
Through careful and thoughtful consideration of your own personal circumstances we will provide bespoke advice and recommendations to help protect your life, health and home in line with your budget. There are many different types of policies from many different insurance companies. Sometimes it is good to have options, but when there are so many it makes it challenging to know which is the right one. If you see a television advert or a price comparison site offering cheap monthly insurance premiums, it is unlikely to be tailored to you or your circumstances. Have peace of mind by receiving bespoke advice and using our whole market approach to provide the most appropriate insurances.
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DISLAIMER AND RISK WARNING
All investments contain an element of risk and what you get back may be less than you invested. Tax depends on your individual circumstances and may be subject to change in the future. If in any doubt, please seek further advice.
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When taking a Mortgage, your home may be repossessed if you do not keep up with your payments.
AN INTRODUCTION
Please click on the image to download our Corporate Brochure for more information about Oxhouse Square, our ethos and services