Financial Planning for Every Stage of Life
Financial Planning for Every Stage of Life
At Fidenti we believe financial planning can benefit everyone whatever stage of life you’re at. Whether you’re planning ahead for your children’s further education, or ensuring you’re catered for in your retirement, we can help.
Using industry leading tools, combined with our passion for getting to know clients, we are able to build bespoke plans to help meet your financial goals.
Our Process
Our Process
1. Getting to know you
On your first meeting with us, we identify your needs, goals and objectives. We also chat to you about how you may react to certain scenarios in order to understand your attitude to risk.
2. Research & Analysis
We then analyse your current situation and build a bespoke financial plan based on achieving your goals and our recommendations to achieve them.
3. Build your plan
We will present you with our research and analysis, cash flow models and the reasons why and how the plan works towards achieving your goals.
4. Monitor & Review
We periodically review, update and adapt your financial plan to ensure it continues to suit your needs.
Cash Flow Modelling
Cash Flow Modelling
Looking ahead is a vital part of planning effectively now. Whatever your priorities it’s important to plan to meet them with the right funds at the right time.
We utilise Cash Flow Modelling to give you a visual representation that brings both your plans now and in the future to life.
This modelling allows us to predict how small changes can make a big difference, as well as responding to changing life circumstances.
Building Your Plan
We can incorporate a range of products and tax efficient wrappers
into your financial plan to achieve your goals
This is the most tax efficient wrapper available to you in your planning for retirement. Contributions are subject to tax relief from HMRC, which boosts the amount you are saving immediately. You can hold a range of different types of investment within this wrapper and we can guide you in terms of what would be suitable based on your attitude to risk.
We can review your current pension arrangements and run research and analysis to evaluate the suitability of your current policy provider and the funds you are invested in.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. The value of tax benefits described depend on your individual circumstances. Tax rules can change.
This is the second most tax efficient wrapper available to you for saving for your future goals and come in a number of options such as:
- Stocks and Shares ISA
- Cash ISA
- Lifetime ISA
- Junior ISA
Every UK resident gets an annual savings allowance into an ISA at present and your savings are then protected from taxation on growth and interest. You can also access these funds tax free and these can work hand in hand when building a retirement plan that allows for tax efficient access to funds.
Investment carry risk. ISA are subject to Terms & Conditions. Tax rules can change.
There may be circumstances where a pension or ISA may not be the most suitable option to assist in achieving your goals. This could be because you have already utilised your Pension and ISA or alternatively you may need something specific to your needs. In this instance then we have a wide range of options that we can utilise for your plan:
- General Investment
- Account (GIA)
- Offshore and Onshore Bonds
- Venture Capitalist Trust (VCT)
- Enterprise Investment Scheme (EIS)
Investment carry risk. Venture Capitalist Trust (VCT) & Enterprise Investment Scheme (EIS) are high risk investments and are not suited for the majority of investors.
When planning for your future, we do so on the assumption that you are fit, healthy and working. All of those plans can come crashing down if something were to happen and we can help identify and protect you against these risks.
Protection plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.
As mortgage advisers we have an extensive knowledge of the various types of mortgages available to you, and we’ll be able to explain what’s on offer, what the key features are, and what type of mortgage is most suitable for your individual circumstances.
Whether you’re a first time buyer, a serial investor or looking to remortgage your home, we’re here to help.
Your home maybe repossessed if you do not keep up repayments on your mortgage.
Many people ensure that they protect themselves and their families but can often overlook protecting their business and business partners in the event of the worst happening. We can work with you to identify where your business may be at risk and help you plug those gaps in the most tax efficient way utilising the following:
- Relevant Life Plans
- Shareholder Protection
- Key Man Cover
- Loan Protection
Protection plans typically have no cash in value at any time and cover will cease at the end of
term. If premiums stop, then cover will lapse.