Services

The right independent advice at the right time

Genuine Independent financial planning is much more than just recommending a product to solve an immediate need. It is about creating a financial plan to help you achieve your short, medium and long term financial goals.

Cash flow modelling can be a key component of your financial planning review and can help you visualise your current financial position to demonstrate how future financial goals and objectives can be achieved.

Pensions legislation has evolved so much over recent years and many people are unaware of the rules regarding Lifetime Allowance, the Annual Allowance for contributions, Income Drawdown, death benefits and Occupational Pension schemes.

Whether you want to maintain, create or grow your wealth, it is important you have a plan. With a changing economic, political, regulatory and financial environment, it is important that your investments are aligned and reviewed.

Whatever stage you are at in your life, retirement planning is something you need to consider, particularly since retirement rules applied in 2015 made pensions more accessible and inheritable than ever before.

Tax liabilities can be costly and it is important to plan and account for these. Proactive personal tax planning utilising all available and relevant tax allowances should be a key component of every financial planning strategy.

Inheritance Tax (IHT) is a complex subject and is increasingly becoming a concern for individuals, particularly as house prices rise. If your estate is likely to be worth more than the IHT allowances, including the new Residential Nil Rate Band, at the time of your death, you need to consider the potential impact of IHT on your family.

As a privately owned business ourselves, we understand the challenges of owning and running your own business, the significant commitment, time and energy it takes. It is a big part of what defines who you are and could be the biggest asset you own, so you naturally want to look after it.

As well as the key services already mentioned, Attivo Financial Planning has access to professionals who can help with other services such as mortgages, protection and will writing.

Our fees

We do not charge for an initial meeting but if you ask us to provide you with independent financial advice we will charge you for that advice. We will always agree the fees with you up front, and put details in writing.

Before you become a client of Attivo Financial Planning, you will be given our Private Client Agreement which outlines our fees in detail and gives you a typical example.

You can either settle the fees directly with us, or, in most cases, we can arrange for fees to be taken from your existing investment via the product or platform provider. This will be clearly shown on your valuation statements.