Personal Planning

Protection for you and your loved ones

Life Planning

By planning this out effectively, you can avoid the unknown by knowing exactly what you need to do. This way there is no need to worry about running out of money in your retirement. We, at Foinaven, view this as the starting point of building any financial plan.

Protection

The first thing that could be on your mind is protection for your family, your income and your assets. Protection available include Life Assurance, Critical Illness, Terminal Illness and many other variations to ensure you and your family can maintain your standard of living.

Income Protection

The next thing you could consider and statistically, the most likely is that of long-term sickness or disability and how you maintain an income stream to protect your standard of living.

Mortgages & Loans

If there are areas for improvement or cost saving we will recommend trusted local mortgage & finance advisers from our network of contacts.

Hands holding paper family cut outs
Estate planning documents

Pensions

There are many different types of arrangements and how they impact on you can vary immensely. Pensions include; Personal Pensions, Stakeholder Pensions, SIPPS, SSAS, Workplace Pensions / Nest, Occupational Pensions plus many others.

Savings & Investments

We will provide short, medium and long term planning which is imperative when you consider what you may need in the future. The plans we make need regular reviews and updates, ensuring that your risk and reward profile is being met and that you work towards receiving any targeted amount in the future.

Specialist Investments

We have clients who wish to consider alternative investments. These can be specialist in their nature and have the ability to save taxes as well as provide potential above average returns. These can include Enterprise Investment Schemes, Venture Capital Trusts and property purchase through pensions.

Estate and Inheritance Planning

To avoid large taxes and ensure your estate is received by your chosen beneficiaries you need to plan this area extremely carefully. With our knowledge and experience we can solve most issues to give you total peace of mind.

Foinaven Asset Management