Financial Services

Where individuals, who know what products they want and the companies they wish to invest with, can have the transaction completed by Ramsay Brown without any advice sought or given. With the execution only service, a percentage of the commission is re-invested or returned to the client.

We offer a complete review of current protection policies to ensure that dependants are adequately provided for in the event of death.

All types of protection plans are considered including Term Assurance, Family Income Benefit, Whole of Life policies, Pension Term Assurance, Critical Illness Plans and Mortgage Protection policies.

Term rates have reduced considerably over the recent years and therefore it is often possible to provide identical cover at a reduced cost.

When dealing with protection policies, trusts are used extensively to ensure the avoidance of Inheritance Tax where possible.

We offer a limited advisory service for people who require advice in a specific area. Certain individuals require advice only on specific financial matters such as pensions, ISA's or other areas of investments, life assurance, inheritance tax planning, etc. We will offer a limited advisory service dealing with the issue at hand without any in depth investigation into other areas of financial planning.

ll areas of Inheritance Tax planning are considered, including the affordability of making outright gifts, the use of trusts where a degree of control is still required, equalising estates between spouses to ensure, where possible, both nil rate bands are used, as well as investigating the use of all the available exemptions and reliefs.

A full estate planning report is provided, including a lifetime cashflow so that, where possible, taxed income is not accumulated within the estate to be taxed again on death.

We offer a full financial planning service, where we will look at the overall lifestyle and financial planning objectives as fully as possible to ensure that the financial resources are used in the most tax efficient manner. This is a comprehensive plan, the objective of which is to help clients to achieve their financial objectives in each area of financial planning.

We aim to help our clients achieve financial independence by their desired age, by tailoring a financial plan to each individual's own circumstances and requirements. This plan is then regularly monitored and adapted to take into account changes in circumstances.

In summary, this service offers a structured plan that is regularly monitored to ensure clients are adequately protected against unforeseen circumstances and that resources are used in the most tax efficient way to achieve financial independence at the earliest age.

A full range of investment advice is provided including advising on ISA's, Unit Trusts, Investment Trusts, Investment Bonds, Zero Dividend Preference Shares and Offshore Funds. Advice is also given on tax planning vehicles such as Enterprise Investment Schemes, Venture Capital Trusts and Limited Partnerships. These schemes can be used for school fees planning, planning for university fees, future weddings or any other anticipated capital expense.

Investment planning is structured to meet objectives, as well as income and taxation requirements, therefore a full review of your situation and risk profile would need to be undertaken before any firm recommendations could be made.

It is estimated that British taxpayers lose billions of pounds per year by not taking advantage of the tax breaks and reliefs available to them.

This service can be used to provide income and/or capital growth depending on an individual investor's requirements

Coming Soon

For practices considering buying or building their own premises under cost or notional rent scheme, we offer a full advisory service looking at the most competitive lender, whether to fix or opt for a variable rate loan, and the type of repayment vehicle.

We also offer advice as to the viability of the project, bearing in mind the cost and the projected reimbursements. We will also liaise with your local Health Authority with regard to any issues surrounding the project. It is important to ensure that the project is arranged in the most tax efficient way so that GP's incomes can be maximised.

Coming Soon