Individuals
Services for Individuals
Investing for your future
We understand that you have worked hard for your money so it is important that your money works hard for you. Anything you manage to save, after paying your day to day bills and other calls on your money, needs to earn as much for you as possible.
Everyone has different reasons for saving, a holiday, a wedding, a new car or even a new home, but the common theme is that you need to find a place where your money has the potential to grow, at a rate with which you are comfortable. We can help you to obtain that return in an environment that suits your objectives and attitude to risk.
Maximize your allowances through planning and Trusts
Benjamin Franklin was right when he said "the only two certainties in life are death and taxes" and when it comes to Inheritance Tax the two subjects collide.
Why should the taxman take some of your assets when you die, especially as you have already paid income tax on the money earned and capital gains tax on any profits?
There are ways to reduce the amount of Inheritance Tax you have to pay and we can show you how through careful planning you might keep this to a minimum.
Protecting you and your family
Most of us don't like to think about how we would cope if we were ill and unable to work, or how our loved ones would manage if we were to die unexpectedly.
A little forward planning now could provide you with a regular income or cash lump sum so that financial worries are the last thing on your mind if you fell ill or lost your job. Having the correct level of life assurance also gives you the peace of mind that you have made provision for any dependents as a result of your untimely death.
We have the expertise and sensitivity to help you select the right level of protection for you and your family.
Providing for your Children and Grandchildren
We know that many parents and increasing numbers of grandparents are worried about their children and grandchildren being able to start their adult life without the burden of debt often associated with continuing their education. They also worry about how their children will manage to buy their first home.
We can guide you through the most appropriate ways of saving to help future generations of your family get the best start to their financial life.
Buying your Home
There is a vast array of different mortgage products to choose from whether it is your first home or you are looking for a better rate or even somewhere you want to let out.
Here at ADA Financial Consultants we have the facilities to research the whole market for the most competitive and suitable mortgage or re-mortgage to meet your needs.
Saving for your Retirement
They say 70 is the new 50, as many people live and remain fit and active for years longer than their grandparents. This means the need for a realistic income in retirement is even greater nowadays.
We believe your retirement should be something to look forward to and enjoyable - not worrying about how to make ends meet.
We can explain the different options available to you and how to make the most of your money when you retire. We are able to do this because of our expert knowledge in the investment and pensions market.
Creating an income for your Retirement
Many people miss out on income because they accept the first offer they receive from their pension plan. We can advise you on how to get the best pension based on your fund value and personal health.
If you are aged 55 years or over and own your home you may like to consider releasing money from your property, in order to provide additional income for your retirement without having to move home.
Cost
Our fees are competitive and we will always agree these with you in advance so you know exactly what you are paying for and how the fee will be paid.. We can be paid by an hourly rate, a fixed fee, a percentage commission or an annual percentage commission or a combination of these methods.
Contact
For more information about our services contact now on 0844 414 1096. You can also send us a message via the enquiry form on the contact page
'authorised and regulated by the FSA'