Financial Planning & Investment Management – Help Guide
Our full guide, which contains ‘easy to understand’ sections for all the types of investments and services we can help you with, along with other helpful pieces of information.
Critical Illness
Critical Illness cover offers peace of mind for you and your family, should you be diagnosed with a life-threatening illness. It usually provides a lump sum to ensure things like your mortgage is cleared and cover wages whilst you are unable to work.
Ethical Investments
Ethical investments have become increasingly popular over the past few years, as many people not only want to see returns on their investments, but also like to know that their money is helping the world to generally become a better place.
Family Income Benefit
Family Income Benefit (FIB) ensures your family will receive an annual income, should you pass away. FIB is designed to provide ongoing financial stability for your family and ensure your children are taken care of up until they become adults.
Income Protection
Income protection basically replaces your salary, should you become too ill to work. It is particularly useful for families where there is a main breadwinner.
Investment Bonds
Investment bonds are single premium life insurance policies with a lump sum invested in a variety of funds. Many people see this as a great option over regular life insurance.
Key Man Insurance
Does your company have key members of staff, that are vital to profitability and successful day to day running? Have you considered what could happen if a key member becomes ill long-term or even dies? Key man Insurance is designed to protect against such an instance and is seen by many companies as essential.
OEICs
OEICs (Open-Ended Investment Companies) is a professionally managed fund built up of varied investments. There are risks involved with this type of investment, however, many investors see these as a great way to grow your finances over the years with the opportunity to see huge gains.
Pension Consolidation
Many people use Pension Consolidation to combine all of the pensions they’ve paid into throughout their working life. This allows for easier monitoring of your pension pot and also to see if your money is in the best place it could be.
Pension Drawdown
Pension Drawdown gives you the flexibility to choose how much income to take from your pension and also allows you to change the amount without limits or restrictions.
Pensions Review
A Pensions Review is where we analyse all of your pensions. We find out about their charges, costs, funds, investment performance, options for payment in retirement, exit fees, bonus rates, annuity rates, risk rating and anything else we deem relevant depending upon the existing pension or provider. Is your pension working as hard for you as it should be?
Relevant Life Plan
A Relevant Life Plan is an insurance policy you take out on your employees’ behalf. The insurance policy is placed into trust for the benefit of their families, should the worst happen.
SIPP
A Self Invested Personal Pension is commonly known as a SIPP. A SIPP is a type of pension that allows for a wide range of investment choices. This can include investments into commercial property, directly held shares and more typical funds, as well as a combination of all these investments also.
Investment Planning
Clarity Wealth Limited are a team of independent financial advisers who will look at what your goals are, the length of your investment and how much risk you want to take. Our advice is bespoke to your personal circumstances, allowing us to recommend the best investments for you. Investments that will make your money work as hard as possible for you.
Retirement Planning & Pensions
Clarity Wealth Limited have vast experience and knowledge in retirement planning & pension advice. Whether you are looking to set up your first plan, or you have already reached your retirement and want to learn more about the wide range of options available to you in terms of drawing your pension.
Business & Protection
Do you own your own business? Have you ever thought what might happen if a key employee or if you became ill and were unable to work? What would happen if you or a key employee died? Clarity Wealth’s business protection expertise can make sure your company will continue to operate, should it face such challenges.