Based in Chesterfield, Derbyshire, Milestone Financial Planning offers a fresh approach to financial planning. Established by qualified stockbroker Michael Heath, the team is dedicated to bringing you expertly-tailored financial advice.
Michael established Milestone Financial Planning with a clear sense of reason. A reason that isn’t about him, it’s about you, the client. He doesn’t pay lip service to customer care; it’s in his DNA.
Most importantly, he and the rest of the team at Milestone treat your money as if it’s their own, paying close attention to cost so you continually get the best value.
Regular meetings and updates from the team at Milestone Financial Planning will ensure you’re informed and up-to-date. Choose to have your meetings in our comfortable offices in Chesterfield, or we’re happy to come to you.
Success for us is when our clients have peace of mind. After all, our job is to help our clients sleep easy at night knowing that their financial future is in order, that they have a plan, and that they have the experts ensuring they stay on track.
We believe Business Protection Insurance should be a key part of your business plan. Many businesses overlook protecting their most important assets: their owners and key people. Too few businesses cover the things that could finish the company and its income – the death or illness (including critical illness) of a business owner or key person.
When Business Protection Insurance is in place and you experience the unexpected you can:
• Keep the business trading
• Replace key individuals
• Protect corporate debt
• Buy out a shareholder if they become critically ill or buy their share from their estate if they die.
Small business insurance could be the one thing that keeps your business going if the worst happened.
If you’d like to know more, get in touch with our expert team who will help find business insurance and protection that is right for you and your business.
Your future is unknown and it’s important to consider the risks and be prepared if things don’t go to plan, which is where financial protection comes into play.
Did you know that more than one in six working families would receive little or no help from the state and see their income drop by a third* if the main earner became unable to work? Make sure that you don’t become one of these statistics and talk to our expert team, who will make sure that what’s important to you; for example, your family, lifestyle and home (rent or mortgage), are protected in the event of the worst-case scenario.
The Milestone team will identify whether you need financial protection insurance and what type of protection you might need by looking at the whole picture. For instance: What savings do you have? Do you have a mortgage or any debts you need to pay? Do you already have any insurance products, and if so what do they cover?
Inheritance Tax can cost loved ones hundreds of thousands in the event of your death, yet it’s possible to legally avoid a lot of it, or even pay none at all, with Inheritance Tax Planning.
More and more families have been hit by Inheritance Tax (IHT) in recent years after steep rises in house prices. Your family home could be worth more than you thought.
Every individual has a tax-free allowance of £325,000 and IHT applies to the value of the estate above this at a rate of 40% on death. In 2017/2018 inheritance tax revenue exceeded £5 billion for the first time. This is expected to rise over the coming years as more and more families exceed the threshold.
Firstly, the team at Milestone Financial Planning will give you inheritance tax advice and calculate what the inheritance tax liability would be on your estate. We’ll then look at ways you can minimise this liability by identifying suitable solutions, including trusts, life cover, charitable gifts or simply taking advantage of exemptions.
