Financial Planning Life Stages

Careful planning for your future that includes the management of your financial affairs in the most tax efficient way, with an emphasis on the strategic use of various tax wrappers, is the cornerstone of our advice.

Our independence allows us to draw on the expertise of leading fund managers from the entire financial market. This multi-dimensional approach enables you to enjoy a seamless transfer between the different financial stages of your life.

Stage 1 – Accumulation of wealth

With the future in mind, we can help you to invest in a tax efficient way. We can also help you manage and preserve the wealth you have already built up. Typical tax considerations would include Income Tax, Capital Gains Tax, Corporation Tax and investment products that benefit from tax relief.

Stage 2 – Utilisation

Everyone’s future plans are different, which is why we create a wealth management strategy shaped specifically for you. At the utilisation stage income is generated and capital released from your accumulated wealth by effectively utilising a range of tax wrappers. Managing this efficiently will help limit the tax you pay so releasing more funds to fulfill your planned objectives. In addition, risk and investment management is essential to ensure underlying investments are in line with your expectations around volatility and growth or income. We also seek to protect your wealth from the effects of inflation.

Stage 3 – Preservation

Protecting and passing on your wealth, for the benefit of your loved ones can be a vital concern. The additional tax consideration is Inheritance Tax and the allowances you have available. We can develop tax efficient solutions to help manage the transfer of gifts between generations.

Our on-going ‘client management’ approach means we are regularly reviewing your finances taking into account any changes in your circumstances.

We also encourage working with other professionals that you may use, such as your Accountant or Solicitor, to develop a more cohesive solution.

Our friendly, easy-to-understand and professional approach means you will receive clear guidance and advice.

Although we are not tax advisers we can provide you with generic tax guidance on savings and investment products.

Whatever your current lifestage Opus Gold financial planners will have the experience and qualifications to help you define a clear strategy towards meeting your objectives.

Opus Gold is a trading style of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Services Authority. Company Registration in England Number: 04490633. Registered Office: Sussex House, North Street, West Sussex RH12 1RQ.

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