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01480 869466
A wealth of financial expertise

Financial Planning


Financial Planning is the process of identifying and creating goals that you would like to achieve in your lifetime.  Your financial plan may include owning a luxury home or business, or perhaps paying for your child’s higher education.  Sometimes deciding what to prepare for can be overwhelming, this is why you should make financial planning a priority and speak to an Independent Financial Adviser.

You may feel like you need some sort of financial planning but are not sure what to include, speaking with your Independent Financial Adviser will help you with this.  Financial planning can help you with the management of finances to ensure you can reach your financial goals and create the lifestyle  you desire.

Beacon Wealth Management Ltd can make financial planning stress free.  When planning for your financial future you need to consider the amount of risk you are willing to take, along with the outcome that you want to receive.

Beacon Wealth Management Ltd has highly qualified Independent Financial Advisers who can assess your current financial situation, develop, and help implement a time scaled plan in order to reach your goals.  Due to the ever-changing environment, your plan will no doubt need to be developed and changed as time goes on.  This is why the dedicated team at Beacon Wealth Management Ltd is committed to placing clients’ needs at the forefront of what they do.  From the start of the process to the end, your goals and aspirations come first.

Beacon Wealth Management Ltd can help you cover all different areas in your financial plan:

• Pensions
• Savings and Investments
• Estate and Inheritance Planning
• Protection
• Corporate
• Long Term Care
• Separation and Divorce
• Mortgages

A wealth of financial expertise

Savings & Investments


Beacon Wealth Management Ltd understands you want your money to work hard for you.  We also know how confusing the world of investing can be with everyone seeming to sell the same, but very different, product.  We can help.

As completely Independent Financial Advisers (IFAs), we have access to the whole of the market to find the right solutions specifically for you.  We pride ourselves on focusing on the creation, managing and preserving of wealth through savings and investments, so whatever your needs you can feel sure that Beacon Wealth Management Ltd will provide the perfect portfolio of services.

A wealth of financial expertise

Estate & Inheritance Planning


Estate and inheritance planning tends to eliminate problems over administration and maximises the value of an estate by reducing tax and other expenses, such as:

  • Inheritance tax
  • Corporation tax
  • Income tax
  • Capital gains tax

Beacon Wealth Management Ltd provides you with the specialist financial planning skills needed to allow for, when the time comes, a smooth, tax efficient transition of your wealth.  Whilst in the meantime allowing your hard earned money to benefit your lifestyle, family and business.  We understand you work hard for your money and want to defend your wealth.

 

To protect your loved ones you must plan for the future by:
  • Making a Will
  • Checking whether you have an Inheritance Tax Liability
  • Take advantage of exemptions
  • Make gifts out of excess income
  • Identify assets that can be given away free for Capital Gains Tax
  • Take out life cover
  • Look into business property relief
  • Consider making gifts to charity

At Beacon we constantly keep clients updated with regular phone calls, meetings and reports to let them know exactly what is going on.  You can choose how detailed this information is and how regularly you would like us to contact you.  Plans are tailor made and designed around you.  We put our clients first. 

A wealth of financial expertise

Separation & Divorce


Separation and Divorce

When relationships breakdown there are often many areas that need to be reviewed, including looking at your finances.

There are numerous little-known implications in high profile cases during wealth separation that require expert advice to make informed decisions.

Beacon Wealth Management Ltd provides advice to individuals about initiating or ongoing financial implications of the settlement proceedings. We help you to have a clear understanding of your assets.

Our legal side Beacon Wealth Legal can help with that side of proceedings however it is worth being mindful of the impact it has on your finances, as we can help access your portfolio, look at your allocation of assets during, and help place them after proceedings have taken place.

A wealth of financial expertise

Retirement


Retirement Options

We can also offer guidance on other ways to make the most of your pension benefits i.e. income drawdown and phased retirement.

Making informed decisions and getting the right advice early plays a pivotal role in building a prosperous financial future.

Beacon Wealth Management Ltd provides tailored, up-to-date advice for you, from the whole of the market, based on your income requirements, attitude to risk and long-term financial goals.

There are a multitude of different ways to plan for retirement and we can provide you with expert advice on any options available to you.

Beacon Wealth Management Ltd specialise in:

  • Pensions
  • Employee Benefits
  • Company Pension Schemes
  • Life assurance
  • Private Health Insurance
  • Accident Protection
  • Savings and Investments
A wealth of financial expertise

Pensions


Pensions and Retirement

A pension is a way to save money for when you retire. You may be able to get:

  • A pension from the government
  • Money from pension schemes that you or your employer can pay into

Most experts agree that state pensions alone are no longer enough to support the costs of living after you retire.  There is also a lot of talk about a pension’s gap.  Given this context, it is vital to plan for your financial situation in later years as soon as possible.  Contact us for advice if you have any concerns about your pension.  We can give you expert suggestions for choosing and implementing an adequate and affordable pension strategy.

A wealth of financial expertise

Protection


It is important to protect yourself and your loved ones or business from unexpected events that life throws at you.

Beacon Wealth Management Ltd can provide you with expert advice on protection including:

  • Private Health Cover
  • Critical Illness
  • Income Protection
  • Long Term Care Funding
  • Shareholder protection
  • Keyperson Insurance
  • Group Income Protection
  • Group Medical Insurance
  • Mortgage Protection
  • Life Protection

Beacon Wealth Management Ltd specialise in understanding our clients and building a relationship. Through this we will be able to understand what protection you and your family or business is most likely to need.  There are many options available to you, and it is easy to get confused about which would suit you best – let us help you.

A wealth of financial expertise

Mortgages


One of the biggest financial commitments most people face in their lifetime is a mortgage.  That is why with markets constantly changing, the right mortgage and re-mortgage advice can have a large impact on your future wealth.

It is recommended that you think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your Mortgage.  It is important to ask yourself:

  • Which payment type do you want?
    • Interest only
    • Repayment
    • One linked to a bank account
  • Which interest rate do you want?
    • Fixed
    • Variable
    • Tracker
    • Discounted
    • Capped
    • Collared
  • Do you want any other features?
    • Free valuation
    • Free legals
    • Cash back
    • No arrangement fees
    • No tie in periods

There are many options available to you, and Beacon Wealth Management Ltd can provide you with expert advice from the whole of the market.  This allows us to compare deals you could be offered on and off the High Street, for products that will best suit you.  We can provide you with advice on mortgages for residential property, buy to lets and commercial developments.

*There may be a fee for mortgage advice.  A typical fee for Mortgage advice is £395.

The Financial Conduct Authority does not regulate personal loans or commercial mortgages.

A wealth of financial expertise

Long Term Care


As our ageing population increases, more and more people are having to fund all or part of their own care.  The question is how are you able to afford it?

When faced with this decision many people automatically think they will have to sell their home, but this is not always the case, especially if you live with a partner or close relative as you may be entitled to more financial help than you think.

It is important to make sure you consider all the options available to you before you commit to a route which may, in the long term, result in you depleting your assets earlier than they should be and consequently reducing your choice of long term care.

There are numerous options available to help you fund your care for longer.  With reliable information and sensible advice you should be able to fund the care of your choice.

Beacon Wealth Management Ltd can advise on how you can make your money work for you to cover or help cover the costs of your care.  We will assess your own specific circumstances in full and can make sure you are claiming all the benefits and allowances you are entitled to and then discuss with you the most appropriate options.

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