"I have known David Henderson for seven years and during that time, he has had full control of my financial investment portfolio through retirement and the consequences of adjustment to widowhood. I have never had any cause to doubt his skilled advice and commitment. This has been delivered through a friendly and totally reliable relationship. I have regarded him as a trustworthy friend and in terms of the financial manoeuvres, his practical adjustments have (thus far in a volatile world!) all been safe and successful. He has been helpfully reassuring at times based on an extensive knowledge of theway the markets and global economy works I find this very educational. I have recommended his services to several friends all of whom have commented most favourably after his input totheir finances."
About Our Financial Planning Services
Both the structuring of pension arrangements and the flexibility of specific investment products have advanced in recent years.
Self Invested Personal Pension (SIPP)
A SIPP is a tax-efficient wrapper that can be beneficial for somepeople, but is definitely not suitable for everyone. For the purposes of Her Majesty’s Revenue & Customs (HMRC), it operates in the same way as a conventional personal pension, in respect of contributions and eligibility.
A wide range of investments can be held within each SIPP, giving you a unique portfolio to reflect your circumstances and appetite for risk.
A SIPP can invest in:
- Stocks and shares listed or dealt on any stock exchange recognised by the Inland Revenue, including AIM
- Stock exchanges that are not recognised by HMRC, e.g. OFEX.
- Unit trusts and/or open ended investment companies (OEICs)
- Warrants, covered warrants
- Government stock, and fixed interest stock
- Unquoted shares
- Commercial property & land
- Property funds
You and/or your advisers will control all the investment choices made. Therefore, if you already have some level of sophistication when it comes to investment decisions you might find a SIPP beneficial.
Alternatively, it may appeal if your pension fund is large, but the additional charges for arranging and dealing within a SIPP can quickly erode smaller funds.
Each new SIPP must appoint a scheme administrator. This is usually the recognised product provider.
We like to consult with our clients regularly, in order to review options and apply the most appropriate products and arrangements to ensure you remain on track for a secure and enjoyable retirement.
If you are interested in SIPPs, or any other specific product, we can provide full details at your next review; and make a recommendation as to whether or not a specific product is beneficial for you, based on your individual circumstances.
Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change therefore the tax treatment of pension benefits can and may change in the future.
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We have the benefit of many years spent advising doctors and dentists and guiding them through financial planning for protecting the family, savings and investing for the future, retirement, and the complex tax issues that can arise. -
There are many different ‘tools’ that help you save for retirement, and the taxation and investment elements of each can appear baffling. We explain, recommend and monitor pension products for you, putting you in control of the choices that will achieve your goals. -
Our mission is to use our knowledge and skills to provide unbiased financial advice, so that you can face the future with increased confidence regarding your financial position today, and the financial security of your family in future. -
Every investment carries some element of risk, which is why we reflect risk management in the financial planning we provide for clients. We work with you so that you are financially well organised, aware of your current and likely future financial position, and therefore remain in control of the choices you make. -
Buying a property can be stressful and time consuming at the best of times, and for some borrowers finding and selecting the most suitable mortgage for them can be a contributory factor. Working with us means that you’ll benefit from informed advice from the outset, backed by up-to-date financial intelligence, and years of practical experience.
