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Financial Planning

“How do I ensure I have the right advice to address my changing needs?”

At RHG we are not simply financial advisers, we are lifestyle planners. We are a truly independent firm able to offer solutions from the whole market. Many of our solutions do not involve selling products or investing money, simply restructuring of income, wills or investments.

As we go through life our financial requirements change. We provide a very personal service to clients that enables them to cope with changing financial demands:

  • Pension planning upon entering employment
  • Initial savings towards a deposit for a house
  • Mortgage and life assurance upon purchase
  • Enhanced life cover and income protection when finances allow, but particularly upon the birth of children
  • School fees planning
  • Advice on wills
  • Private medical cover
  • Enhanced pension and investment savings and planning
  • Structured exit planning and the passing of the business to children
  • Retirement advice and structuring tax efficient income
  • Making of gifts and Inheritance Tax planning
  • Long Term Care advice and planning
As clients mature and their finances become healthier we ensure they have the right planning tools in place to first protect and then to enhance their wealth.

Find out how we can assist you, contact us today.

 

5 reasons to use RHG Financial Planning
  • Working with you for the long term
  • Lifestyle planning, not quick fixes
  • Specialists in all areas, not just GP’s
  • Working with accountants and solicitors
  • In-house investment specialists add value

Call us now on 01438 350222
or email us


Other Financial Planning Services

Latest Blog Posts on Financial Planning
Monthly Bulletin - February 2010 by Emma Wilkinson
Review of the key indices, news and data for February 2010 and the outlook for March.
Don’t Forget Your ISA! by Paul Beasley
We seem to be a nation that likes to leave important issues until the last moment. Talk to any accountant and he will tell you how manic January is as everyone rushes to get their tax return registered before the 31/1 deadline. With us the deadline is 5th April and largely revolves around people using their annual ISA allowance.The attraction of ISAs and the reason why there is a monetary limit is the fact that all returns rollup free of tax. There is no Income Tax paid on interest received by the ISA and when ultimately sold, there is no liability for Capital Gains Tax. Remember, 5th April falls on the Easter weekend so any ISA investments need to be made before the end of March.
Now Is The Time For Long Term Investing - Don’t Let The Markets Catch You Out! by Chris Purkis
At RHG we like to think we’re one step ahead of the game, and in evidence we have produced some very solid long term performance figures, in spite of recent market traumas. it pays to be fully invested. When equity markets are rising, we can use technical analysis to assist us in our entry and exit points. If and when shares tumble again, we are able to quickly switch out of more risky equities and re-invest into alternative sectors such as absolute return, bonds and commodities such as gold.If you are asking yourself “When is the right time to invest?”, the answer is always “Now!” – The more taxing question is “What should I invest in?” – And that you can leave in our capable hands!
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Case Study
Inadequate funds in pension

When we were first appointed Mr X was 60. He had a pension in place but not funded anywhere near sufficiently. We immediately re-structured to enable large contributions to be made at the company’s year end to maximise the tax advantages. We also set up pensions for the next generation, his children, who were to take over the business.

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