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Menu
 * Home
 * About Us
   * About Us
   * What We Do
   * Successful Client Relationships
   * Money May Be The Last Taboo
 * About Investment
   * About Investment
   * Why Invest?
   * Understanding Investment Risk & Reward
   * About Retirement – Planning & Benefit Options
   * Getting The Investment Risk Right
   * Measuring Risk
   * Investment Analysis and Asset Allocation
 * Services
   * Financial Planning
   * Portfolio Management
 * Our People
 * Media
 * Publications
   * Publications
   * Financial Planning Publications
   * Tax
   * Investment
   * Retirement Planning
   * Business Planning
   * Property and Mortgages
   * Terms of Business
 * Links
   * Our Client Care Portal
   * Wills and Estate Planning
 * Contact Us


RAFTER ASSOCIATES FINANCIAL MANAGEMENT LTD


FINANCIAL PLANNING


FINANCIAL PLANNING

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 * Tax
 * Investment
 * Retirement Planning
 * Business Planning
 * Property and Mortgages
 * Terms of Business

Financial planning is the process of taking control of your finances and then
making your money work for you. If you do not plan, the chances are that you
will not make the most of your money. But planning is much easier if you
undertake the process with the help of a skilled practitioner who is well used
to helping people to define their aims and work out how best to achieve them.





THE FINANCIAL PLANNING JOURNEY

A good financial planner should be a trusted partner who can help you achieve
your financial aspirations and protect those you care for in the event of
disaster. Despite the significant value that a financial planner can add, most
people don’t really know what financial planners actually do. The aim of this
guide is to explain the process in general terms, and what financial planning
can achieve for you.

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LATER LIFE PLANNING

A longer life means your pensions and any other investment income in retirement
have to last for longer; maintaining financial planning advice is more vital
than ever to ensure you don’t outlive your income; and families may now stretch
across more than three generations, making estate planning more of a challenge.
In this guide, we introduce some of the main financial planning aspects of
longer life. For more information on any of the issues raised, please talk to
us.

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YOU AND YOURS – ESTATE PLANNING

Estate planning involves tax, but it encompasses much more. As with most tax
planning, the key is to know what you want to achieve – who should benefit after
your death and what they should receive, but also who might you want to make
gifts to now and in what form. As your circumstances and the tax rules change,
it is important to keep your estate planning under review. The earlier that you
start planning, the easier it may be to achieve your objectives.

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FINANCIAL PROTECTION FOR YOU AND YOUR FAMILY

Premature death and serious illness are fortunately relatively rare, so much so
that insuring against these risks is not expensive – especially if you are
reasonably young. But they happen frequently enough for life and health
protection to be essential financial products. We can recommend the types of
cover that are relevant for you, calculate how much you need and for how long.
We can also recommend and arrange cover with the most appropriate providers.

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Levels and bases of, and reliefs from, taxation are subject to change and their
value depends on individual circumstances.

The value of investments and income from them can go down as well as up, and you
may not get back the original amount invested. 


This publication is for general information only and is not intended to be
advice to any specific person. You are recommended to seek competent
professional advice before taking or refraining from taking any action on the
basis of the contents of this publication. The Financial Conduct Authority (FCA)
does not regulate tax advice, so it is outside the investment protection rules
of the Financial Services and Markets Act and the Financial Services
Compensation Scheme. This publication represents our understanding of law and HM
Revenue & Customs practice as at 31 January 2019.

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© 2019 Rafter Associates Financial Management Ltd.
All rights reserved | Rafter Associates Financial Management Ltd is authorised
and regulated by the Financial Conduct Authority. We are entered on the FCA
Register under reference 116031.
 

CONTACT

T: 01604 889073
E: enquiries@rafterassociates.co.uk
Rafter Associates Financial Management Ltd,
Spring Fields, 9 Spring Hill Farm,
Harborough Road,
Pitsford, NN6 9AA

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