If you’ve been an active investor in the past, then the last few years will have reinforced that life is unpredictable. Individual investments can go down as well as up, and it pays to spread your assets across a number of appropriate products, to give you some protection. If you’ve done that previously, then perhaps you already built up a sizeable portfolio, but then you must make plans to protect your assets in the long term — and what about inheritance tax? How do you ensure that it will be your chosen beneficiaries who get the best outcome from your hard-earned assets and not the taxman? There’s always something to consider, reflect on and adjust, whether your portfolio is your workplace pension and current mortgage, or a carefully built up nest egg for your future happiness. At the end of the day, our goal as financial advisers is to help each individual client make sense of all these options and opportunities, to ensure they achieve their own personal goals and ambitions. We help protect what you have built up and create the right balance of risk and reward to achieve your goals.
