Private Clients

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We appreciate that no two client conversations are the same.

By meeting one of our expert advisers, you’ll be able to discuss your specific circumstances when planning for your financial future.

We can then develop and implement a strategy, using cash-flow modelling and other tools when appropriate, that will address common concerns, including:

  • Illness and death – will my family be looked after?
  • Retirement – am I saving enough?
  • Investments – could mine be managed better?
  • Tax – can I lower my tax liability?
  • Property – can I afford that new home?
  • Inheritance – how can I ensure my family gets my wealth, not the taxman?

By seeing the ‘big picture’ for our clients, we’re able to take a truly holistic approach, reviewing and adapting their arrangements to reflect any change in circumstances.

Cash-flow Planning

When looking at your financial future, it’s often difficult to see the big picture. Especially when so many different strands need to be considered at the same time.

To help you with this and show your current position, we’re able to produce a cash-flow plan. And then, through an interactive session, show how implementing our recommendations may help you reach your goals.

Review Service

Over time, you may have accumulated various investment and pension contracts which may not be as suitable to you as they were when you initially took them out.

When you become a client of Lothbury Pendil, we review all your existing provisions and make recommendations where appropriate; both on when they would benefit from being altered and, equally importantly, when they can be left as they are.

Talk to us today about arranging the best possible pension provision based on your needs.

Inheritance Tax

There are many legitimate ways to reduce, or mitigate completely, the tax bill your beneficiaries will face upon your death.

From making the most of your annual gift exemption to more complex strategies, like discounted gift trusts, we can help ensure that more of the wealth you’ve worked hard to save goes to the people you want it to – not the Inland Revenue.

Get in touch with one of our advisers today and we’ll arrange for an analysis of your current estate and any inheritance tax liability.

The Financial Conduct Authority does not regulate will writing or Inheritance Tax planning.

Life Insurance

Life insurance is there to provide for you or those that depend on you when you fall ill or die. So it’s important to seek expert advice in this area to make sure any policies in place suit your circumstances and that trusts are used appropriately.

At Lothbury Pendil, we’re able to discuss and advise on a wide range of policy types, including:

Term assurance – Offers cover over a length of time, paying a lump sum or income on death or diagnosis of illness. Term assurance is often used to cover the repayment of a mortgage or to offer cover for your family while any children grow up.

Income protection – Replaces earnings on diagnosis of an illness or an accident preventing the policyholder from working. This cover is essential for most but particularly for the self-employed and those with families or dependents to look after.

Critical illness insurance – If you suffer a critical illness it could seriously affect you financially. This cover can pay out a tax-free lump sum of money on diagnosis of a specified critical illness, giving you peace of mind and money when you it most.

Whole life cover – Running for the whole of your life, this cover is used to provide for family or sometimes for inheritance tax planning.

Remember, as circumstances change and families grow it’s always worth reviewing your life insurance arrangements. Talk to us today to review your situation.

Investments and Savings

There are many ways to save for the future. At Lothbury Pendil, we’re able to expertly advise on a wide range of investments and savings to suit you.

From an inheritance to ISAs, we’ll discuss what you want to achieve and your propensity to risk before developing a portfolio accordingly.

To discuss your investment aims and objectives, get in touch with us today.

The value of investments and income from them can go down. You may not get bac the original amount invested.

Tax Mitigation

Death and taxes are considered two certainties in life. While we can’t help with the former, we are experts in reducing the amount you pay in tax.

From offsetting investment gains to fully using capital and ISA allowances, we can carefully plan a strategy to ensure that you don’t pay more tax than you absolutely have to.

For a tax mitigation strategy tailored to your needs, speak to one of our advisers today.

The Financial Conduct Authority does not regulate tax planning.

Saving for Retirement

We’re all living longer, which can mean a longer retirement too.

That’s why making adequate retirement provisions is more important than ever. Especially as the government struggles to maintain pensions and benefits.

At Lothbury Pendil, we’re able to advise on all areas of retirement planning, including Self Invested Personal Pensions (SIPPs), company pension schemes and offshore pensions.

Take advantage of our retirement planning expertise and we’ll help you to:

  • Set your retirement goals
  • Choose the most appropriate savings vehicle
  • Develop your retirement planning investment strategy
  • Save at a level that is realistic and affordable for you

Get in touch today to take the worry out of your tomorrow.

A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Retirement Income

Choosing the best way to draw your income is an important decision.

Pension legislation is constantly evolving and in doing so presents you the individual with a multitude of ever changing options of how to draw your retirement income. Our role is to understand your goals and consider all the options available to you before recommending the most appropriate route to you.

Speak with one of expert advisers today to discuss your retirement plans.