Financial Planning - helping you achieve your financial goals
Protecting You and Your Family
Many people take out insurance that protects themselves and their loved ones against the possibility of their inability to work due to a serious illness, an accident or even death.
Insurance policies such as critical illness cover, income protection and life insurance offer peace of mind. Policies such as these help you meet your mortgage payments or help your loved ones in the event of your death.
Meridian Advice can guide and advise you through the different protection solutions to find the right protection for you and your family according to your personal budget and individual circumstances, whilst making you fully aware of the potential financial risks that need to be overcome with the right protection type and the right protection level.
TopRetirement Planning
Planning ahead is vital if you wish to be able to enjoy your retirement without the burden of financial worry, so retirement planning needs to be entered into at as young an age as possible, to give your savings enough time to fully mature.
Meridian Advice can assess the existing plans that you have and advise whether they can be improved upon, for example, by using our transfer analysis facilities or assessing self investment options. Whilst reviewing your financial situation our advisers can identify what you can afford and then assess the amount of income you think you will need in retirement, finding the right scheme to help you achieve your financial goals.
Once your pensions and investments are set up we will conduct regular reviews to ensure your savings are performing well and are on track to meet your retirement objectives.
Eventually we can advise you on that important stage where you arrive at retirement and need advice on buying an annuity, deferring that choice or taking a drawdown option instead.
TopSavings & Investments
An important part of financial planning comes in the form of savings and investments. There are a range of products available to help you achieve your financial objectives but which is most suitable depends on a number of different criteria.
Perhaps you wish to set aside an amount every month or maybe you have a sum of capital to invest. Financial planning will help you find the right product for your individual circumstances to help you achieve your goals.
Meridian Advice has expert knowledge of the savings and investments market and can help you identify the most suitable plan for you. In making our recommendations we will assess your individual circumstances such as how much money you wish to invest, the amount of risk you are comfortable with, whether you require short or long term returns and the tax implications.
TopInheritance tax Planning
If you wish to control how your assets are distributed in the event of your death then Inheritance Tax Planning is imperative. As well as ensuring that your wealth is apportioned correctly and that your loved ones are taken care of, Inheritance Tax Planning helps you limit the amount of inheritance tax that your dependents will have to pay.
You may think that your assets don’t add up to much but by calculating the value of your savings and investments, your home, pension and life insurance policies you may be surprised, and the beneficiaries of your will may find themselves liable to a considerable amount of inheritance tax.
At Meridian Advice we have a team of experts who can help you. From calculating your inheritance tax liability to setting up trusts and writing your will, we will make sure you have everything covered.
HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances which cannot be foreseen.
For advice or a quote please call us now on 0191 223 6400 or simply complete our online enquiry form – we aim to get back to you on the same working day.