Phone: 01772 780300
Address: 8 Berry Lane, Longridge, Preston, PR3 3JA
Email: info@rjiswealthmanagement.co.uk
Phone: 01772 780300
Address: 8 Berry Lane, Longridge, Preston, PR3 3JA
Email: info@rjiswealthmanagement.co.uk
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We are able to accommodate a wide range of ethical investment requirements as we build each portfolio from scratch in line with your preferences. This is in contrast to the typical one-fund-fits-all view that is far from optimal for those looking to invest ethically. Our stockbroking capabilities allow us to utilise individual shares alongside selected funds to ensure your portfolio is tailored to your particular needs. We work with both charities and private investors with ethical requirements.
Our Alternative Investment Market (AIM) Portfolio Service offers an opportunity to grow your investments and shelter a part of your estate from Inheritance Tax (IHT). And unlike other IHT planning tools, our AIM Portfolio Service enables you continued access to income and capital. AIM stocks are more volatile and can be less liquid than standard securities.
Certain shares within the AIM qualify for BPR and therefore offer 100% IHT relief provided they have been held for two years or more at death. Our AIM Portfolio Service seeks to help clients benefit from this relief, whilst also offering them exposure to attractive investment opportunities independent of the relief.
We use the AIM Portfolio Service as one option in a wider inheritance tax planning strategy. It isn’t suitable for all clients.
We will discuss any recommendations or portfolio changes with you before they are made. This service is more suitable for clients who wish to play a more active role in managing their investments.
Investment decisions and adjustments to your portfolio are made by your Wealth Manager in line with your agreed investment strategy and risk profile. This allows for decisions to be taken faster and removes any investment liability from you.
An important part of planning for the future is ensuring you are saving and investing enough of your wealth to achieve your goals. We use cash flow planning to project the value of your savings and investments into the future, this allows us to calculate the levels of contributions required to provide a certain standard of living in retirement. We also make use of all the available tax allowances and account wrappers (e.g. ISAs, pensions) to help you grow your wealth in a tax-efficient way.
At Raymond James we specialise in helping our clients with IHT planning. Effective IHT planning can help you mitigate the IHT levied on your estate and ensure more of your life savings can be passed onto your loved ones. We achieve this by setting up tax-efficient wrappers for your investments, utilising allowances and if suitable, creating insurance policies or our AIM Portfolio Service.
If you are currently trying to plan for a two person, three decade retirement, the current pension legislation can seem very complex. Whether you already have multiple pension plans in place, but worry about their ability to provide for your retirement or you don’t have existing pension provision and want to know which pension and what level of funding would be suitable for you, we can help.
We can help you simplify existing pension arrangements, maximise the efficiency of your portfolio, arrange suitable pension plans and fund at the level required to provide you with the lifestyle you would like in your retirement.
We put cash flow planning at the heart of your financial plan. Using advanced modelling software, we project your financial future based on your current situation and the lifestyle you wish to enjoy. This projection helps us form recommendations to help you achieve your financial goals. Your wealth manager will update and revisit the cash flow plan with you on a regular basis to ensure you are on track in planning for your future.