Belleveue Financial
Belleveue Mortlakes Financial are specialists in the financial services sector. Our clients both corporate and private demand an extremely high level of service and it is our goal to ensure that we grow, manage and safeguard your income and assets at every step through your personal and business lifecycle.
We have prided ourselves on providing a personalised service and forging dynamic relationships with our clients. Through innovative and positive guidance we can guide you through the myriad of financial products available on the market.
The provision of financial services whether it be estate planning or mortgages may involve liaising with various professionals including solicitors, accountants, surveyors etc. The whole process can become very time consuming, confusing and stressful.
We, however can act as your sole point of contact managing the whole process on your behalf from inception to completion, allowing you to concentrate on your usual daily activities and business and knowing that the financial welfare of yourself and family is in safe, secure and experienced hands.
Belleveue Mortlakes Financial is able to offer a full and comprehensive financial service to clients with particular emphasis on the following:-
Residential and Commerical Mortgages
There are in excess of one hundred lenders offering thousands of differing products.
What can often on face value seem often to be the best product may not be.
Experience, professional and integral guidance is the only way one can ensure that thatthe best solution is chosen for you at any given time.
Through our size, knowledge and vast network of contacts in the market we can offer a range of exclusive products at any one time, not available through most sources and the general market.
Inheritance Tax (IHT)
Inheritance tax becomes payable on the death of an unmarried person or on second death of a married couple.
An integral component of estate planning, with the rapid rise of property prices nationwide, inheritance tax is or should be a major consideration for many individuals. Everything that you own at the time of death is assessed by the taxman including house, jewellery car and investments. In addition to assets owned at the date of birth a
proportion of substantial gifts made within 7 years of death are also brought into the calculation of tax on a sliding scale.
The earlier you make the arrangements, the greater the chance of taking full advantage of the tax opportunities available thereby maximising the amount that goes to your loved ones. What could be more demoralising than than leaving a substantial slice of your life's wealth in the Government's coffers.
Protection
Generally and understandably we do not like to part with money for the protection against an event that one hopes will never occur. However, most of us have cover for our houses and vehicles.Its only logical therefore to consider cover for something at least as important to you!
Few of us like to think about something happening to us, however, equally few of us could live with the thought that we have not made adequate provision for family and friends who rely on us. Who would pay the bills? Can the mortgage repayments be made each month? Would your home and family's happiness be at risk. Can I protect the lifestyle I have worked so hard for? The simple answer is that none of the above will be protected unless you make the right preparations now. The earlier and more effectively you plan ahead the greater protection you will be afforded.
Pensions
There is a steady decrease in the value of state Pensions. We can no longer rely on the state to provide us with a large enough income when we retire.
Decisions about saving for retirement are amongst the most important decisions anyone can make. We don't like to think so, however, the years fly by and without making appropriate provisions today, what you have worked so hard for all your life may not be enough to sustain a happy and healthy retirement.
At the same time pension legislation is constantly changing. The new Pensions Act which will come into force in April 2006 will bring many and complex types of pension schemes under one set of rules, whether employed or self employed.
It has never been more appropriate to seek professional advice to enable you to make the correct decisions that will allow you to maintain appropriate levels of income and secure a well deserved and happy retirement.
Trusts
Trusts are generally created to protect or determine the future of an asset, or reduce tax liability. Trust law is complex and careful planning and periodic review is essential if the desired objective is to be achieved.
Some example of their use are; grandparents wishing to skip a generation for IHT purposes and provide for their grandchildren's future may use a trust; parents wishing to pass assets to children prior to marriage in a fashion that protects the capital in the event of divorce will use a trust; families with landed estates will often use a trust to pass it down the generations; many IHT schemes use trusts.
The introduction of specialist tax planning schemes and the transfer of assets into trust can create immediate and significant tax savings whether capital gains (CGT), inheritance (IHT) or income tax. Our expert knowledge of trust taxation is essential to help identify the type of trust and investment opportunities within that trust. We are supported by a network of long established contacts, notably, solicitors and accountants, to draft legal documentation and also provide specific technical, specialised knowledge.
For a free consultation to review your financial plans and take advantage of our experience and contacts, please call Belleveue Mortlakes Financial.