our

services

working

with you.

Putting our clients firmly at the heart of everything we do enables us to run a genuinely client-focused business. In our experience no two clients are the same, therefore we ensure that we understand your personal or business objectives and only deliver solutions that are right for you. We offer the benefit of a single point of call for all of your financial planning needs, and strive to offer the very best service to develop a long term relationship with you.

investment planning

bespoke financial solutions

Reliable financial advice and creating the right investment strategy are two crucial elements in helping to secure your future financial well-being.

Whether you are looking to invest for income or growth, we can provide quality advice, comprehensive investment solutions and ongoing services to help you achieve your financial goals. Kind Wealth’s carefully constructed, risk-profiler rated portfolios enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles to create a balanced and diversified investment solution.

We provide a wide variety of advice within the investment arena. Whether it’s a simple ISA investment or a more complex inheritance tax strategy we have the tools and experience to assist our clients. We always take into account the current tax legislation, however these are not guaranteed and can change. It is vital to our commitment to our customers that we conduct regular reviews to ensure that the planning we do today is still relevant for the future.


The Financial Conduct Authority does not regulate inheritance tax planning.

Tax treatment varies according to individual circumstance and is subject to change.

pensions

prepare for the future.

What Level of Income Should You Aim For to Maintain Your Lifestyle?

Retirement may seem a long way off but are you saving enough now for a comfortable future? A general rule of thumb suggests that you should aim for a retirement income of two-thirds of the amount you would expect to be earning at the end of your career. It can be hard to plan for tomorrow in a fast changing economic climate when you’re focused on living for today. If you begin planning and saving now you will have many more options in the future.

Compounding - Not So Complex

You’ll be surprised at the big difference it can make to your savings if you start saving early. This is because of ‘compounding’. Compounding is a simple concept. When you invest money you earn interest or income on your capital. Then next year you earn on both your original capital and the interest from the first year, and so on. It’s the snowball effect – as your capital ‘rolls down the hill’, it becomes bigger and bigger. The earlier you start investing, the more time you have for compounding to take effect.

Sufficient Income

With the state pension and some private pensions falling short in terms of what they provide in retirement, can you rely on these alone to provide sufficient income? The decline in the state pension over recent decades and the diminution of the final salary scheme sector have left millions to fend for themselves in their retirement provision, though many will still enjoy some contributory support from their employer.


The value of pensions and investments, and the income they produce, can fall as well as rise.
You may get back less than you invested.

Preserve Your Savings

The closer you get to retirement, the greater the need to preserve your savings and ensure they will last throughout your retirement. This is also a time to consider what changes you may need to make to your investments as you approach retirement. People are living longer, so you’ll need to make sure your money lasts as long as you do. It’s also crucial to make the right investment decisions now to ensure that over time your money will keep pace with the threat of rising inflation. Ensure your pension plans are on track.

protection

Individual & business cover.

Over the past few years many forms of insurance policies have become more competitively priced, especially life insurance.

If you have a life policy that is several years old you may be able to change your provider for a more competitive premium, or to increase the benefit for the same monthly cost. You should seek advice before cancelling any existing policies and ensure continuity of cover when making new arrangements. The information provides helpful advice guides that will let you find out how you can protect you and your family, your mortgage, or your business.

our terms of business.

Learn more about the terms of business between our firm (as
an Appointed Representative of Quilter Financial Services and Quilter Mortgage Planning) and its clients. These ‘Terms of Business’ apply until further notice and must be read in conjunction with the ‘Guide to Our Service’. In case of any ambiguity between the documents, this ‘Terms of Business’ will take precedent. Either we or you can end these terms at any time, without penalty and this will not affect any outstanding transactions being carried out on your behalf.

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kind wealth

adds value

When deciding the fees we charge for advice we want to be sure you receive value for money and that the solutions we recommend are likely to deliver your objectives.