RP Financial Planning offers an independent advisory and management service to clients. This means we are not restricted in our ability to choose the most appropriate product and service from the whole of the market.

As Financial Planners we are used to working with clients on all aspects of their financial affairs. However we appreciate that often clients simply wish to review a particular arrangement or obtain advice on a specific matter. As fee based advisers we are able to do this and our advice can be tailored to match your individual requirements.

 

Pass your mouse over the titles below to read more

Additional Services

Through our direct association with Rothman Pantall & Co Chartered Accountants we are also able to provide the following services:

• Audit & accountancy.
• Business sales and acquisitions.
• Business start ups.
• Business valuations.
• Company secretarial services.
• Corporate and VAT planning.
• Expert witness.
• Inslovency.
• Payroll and bookkeeping services.
• Personal tax returns and capital gains tax planning.
• Strategic tax planning and general advice.
  

Other areas of expertise

• Tax efficient investment structures via investment partners.
• "Simulated death" planning for IHT and business purposes.
• "Simulated divorce" planning to enable the financial position to be clear prior to undertaking financial negotiations.
• Bespoke cash management via investment partners.
  

Estate and Tax Planning

• Succession planning.
• Wills and inheritance tax planning.
• Income, asset and life protection.
• Family trusts.
• Tax mitigation and tax planning.
  

Business Planning

• Tax efficient capital management.
• Succession and legacy planning.
• Risk assessment and protection.
• Company/staff pension arrangements.

Protection

We are able to advise on and set up the following protection arrangements on either an individual or group basis

• Term assurance & whole of life cover.
• Critical illness cover.
• Permanent health & medical insurance.
• Business protection arrangements.
• Inheritance tax cover via gifts inter vivos or whole of life policies.
  

Transfers

We are authorised by the FSA to advise on all areas of pension transfers and some of the arrangements we typically advise on are transfers to and from the following schemes:

• Final Salary pension scheme transfers.
• Money purchase occupational schemes.
• SSAS/EPP.
• SIPP.
• AVC and FSAVC.
• S32 or "buy out policies".

Investments

We are able to advise on all aspects of your investments whether it is simply a one off review of your existing investments or the establishment of a new investment strategy and portfolio.

• Reviewing existing investments against appropriate benchmarks and lifestyle objectives.
• Investment strategy, portfolio construction and ongoing portfolio management.
• Creation of an investment brief, investment manager "beauty parades", manager of manager selection and ongoing monitoring (we have considerable experience of working with third party Discretionary Fund Managers).
• OEIC's, unit trusts, investment trusts, exchange traded funds.
• Government treasury stock investments.
• Investment bonds onshore and offshore.
• National savings investments - saving certificates, premium bonds, guaranteed equity bonds.
• Individual savings accounts - maxi & mini .
• Bank/building society accounts and money market deposits both on and offshore.
• Bespoke tax efficient structures.
• Full annual valuation and review meeting and interim valuations if required.