In today’s world of increasing wealth, changing legislation, greater expectations and the need for self provision, a professional adviser needs the support of specialist services. Our Independent Financial Advisers work as strategic financial planners within BBT Asset Management. This means that they can harness the expertise of each of our specialist divisions to devise a holistic financial plan tailored to your individual needs. Operating nationally, our aim is for clients to achieve peace of mind in the knowledge that they have a structured yet flexible financial plan.

 

We believe this is best achieved by addressing the following three key areas essential to creating financial security, confidence and the management of family wealth.

 

Income whilst working is usually replaced by the Teachers' Pension Scheme and the State Pension. You may also have additional pension plans or other sources of income. We start by looking at the dates and amounts of your future net retirement income. This will include, where applicable, future income from your spouse or partner. Anticipated future monthly lifestyle expenditure is estimated and then compared against future income. Capital has an equally important role within your plan. Our experience shows that, after consultation, most of our clients have sufficient income in retirement to meet their monthly lifestyle expenditure. The rising cost of everyday living means that, over time, pension income does not manage to keep pace with the true rate of inflation for a retired person. The role of capital within your plan is to be available for meeting any future shortfall.

Estate Planning is essential if you are to protect and manage your family wealth. On death most people want to leave their assets to children and other nominated beneficiaries. Many of our clients wish to, where possible, avoid the potential reduction in value caused by taxation, ill health and care costs. These wishes should be incorporated into your plan. If you are likely to inherit from your parents or relatives, their position should ideally be considered. This will ensure that all family wealth planning opportunities are explored.

Our range of services

• Public sector pension schemes, personal pension plans, self invested personal pension schemes (SIPPS), additional voluntary contributions (AVCs) and the State Pension.

• Advice on early retirement, phased retirement, premature retirement, retirement through redundancy, actuarially reduced benefits (ARBs), and obtaining and checking the accuracy of pension forecasts.

• Life insurance, family income protection, critical illness cover and private healthcare.

• Savings and investments including individual savings accounts (ISAs), fixed-interest bonds,

• Paid work after retirement and tax implications.

• Annuities and pension draw-downs.

• Mortgages and equity release.

• Estate planning (Wills, Inheritance Tax, Trusts and Lasting Powers of Attorney).