Services

Independent Financial Advice

Although I have the benefit of experience and a long established track record of a reliable and consistent approach to financial planning, I also have the added advantage of being an authorised and regulated independent financial adviser.

this unique status, should a need be identified to utilise the services of a particular pension provider, investment house or insurance company, then as an IFA, I can access them without restriction or limitation.

This unbiased approach also extends to the way that you pay for the services which I provide. Which can be by an initial and ongoing fee paid by you, or by an initial and ongoing commission from the product provider. Most importantly, the method will be agreed before I provide my service and that will be the only remuneration which Jackson Law Financial Management Ltd will receive. Clearly through this transparent and explicit remuneration approach, the only bias in product selection will be which is the most suitable for you.

Pensions

Apart from being a very tax efficient form of saving for retirement, there are a number of features of pension which are less apparent, which include Inheritance planning, commercial property purchase and long term pension planning for children. Some of these features can be accessed from personal pensions or occupational schemes, so depending upon your individual status, one or both methods of planning may be appropriate.

The pension advice available is as follows:

Stakeholder Pension – employer & employee
Personal Pension – employer & employee
Self Invested Personal Pension (SIPP) - employer & employee
Executive Pension – employer
Small Self Administered Scheme (SSAS) – employer

Should you wish to review existing provision or discuss the merits of you or your company commencing a pension planning strategy, then please contact us via the contact page.

Investments & Regular Saving

Creating, maintaining and increasing wealth for our clients is the cornerstone of all advice provided by us. We provide an expert integrated service across all investment houses, fund managers and products within the marketplace. We asses your individual risk profile, then through the use of asset allocation tools, construct a suitable portfolio and strategy to obtain your short, medium and long term wealth objectives. After determining a suitable investment strategy, the equally important decision of which account should the asset be held.

The accounts available are as follows:

Bank & Building Society – deposits & cash
Individual Savings Account – cash & investment
Unit Trusts & OEIC – cash, gilts, corporate bonds, property & equities
Onshore Life Assurance Bonds - cash, gilts, corporate bonds, property & equities
Offshore Life Assurance Bonds - cash, gilts, corporate bonds, property & equities

Should you be dissatisfied with your existing portfolio or would like to discuss and implement a suitable investment strategy for growth or income, then please contact us via the contact page.

Protection – Personal & Company

When creating any financial strategy, whether it’s buying your home with a mortgage, saving on a regular basis or establishing or expanding an existing business, many aspects of the planning can be quantified, measured and priced with great accuracy. However one aspect of all plans assumes that you, your close family or employees continue to enjoy good health. Should that not be the case and serious ill health or death occur, then even the most sophisticated financial plan can be at best delayed or in some cases completed ruined.

In such situations the emotional pain cannot be prevented, but the financial position can be saved or its impact mitigated with a safety net provided by suitable protection provision.

The areas of personal planning which you can protect are as follows:

Life Assurance – a lump sum or income payable in the event of death
Critical Illness – a lump sum or income payable in the event of a defined illness
Income Protection – an income payable in the event of long term ill health or injury

The areas of company planning which you can protect are as follows:

Keyman Protection – a lump sum or income payable to your company in the event of the death or ill health of a key member of staff
Partnership Protection – a lump sum payable, to enable the surviving partners to purchase the shares from the deceased partners estate
Shareholder Protection – a lump sum payable, to enable the surviving shareholders to purchase the shares from the deceased shareholders estate

Should you wish to review your existing provision or discuss the merits of establishing a protection strategy for you or your company, then please contact Jackson Law via the contact page.

Inheritance Tax Planning

An integral part of wealth management, is to always consider your inheritance tax (IHT) position. Because should your estate’s value exceeds the current tax free band, then in the event of death of a single person or the second death of a married couple (civil partnership), all assets above that level would be subject to inheritance tax at 40%.

However there are strategies that can be employed to remove or mitigate IHT either within an investment strategy, or separately by using, trusts, a will provided by a suitably qualified solicitor or a protection policy.

There are a large number of IHT strategies available the following are just a few which we would consider suitable for many clients:

Will Trusts – establishing trusts on death
Discretionary Pilot Trusts – establishing a trust before death
Gift Trusts – putting assets in trust before death
Loan Trust – gifting profits into a trust
Discounted Gift Trusts – to reduce the impact of the 7 year rule
Protection – to pay the IHT on death

Should you wish to review your existing provision with the aim of removing or mitigating your liability, then please contact us via the contact page.