Financial planning can incorporate many aspects of financial well-being and using accumulated capital as a means of achieving life’s goals. We have incorporated all of these aspects to build the Financial Planning and Wealth Management Programme. The programme might include any of the following, depending on your needs and circumstances.

Financial Planning & Wealth Management Programme

Piercefield Oliver Services

Investment Management

Once we know what you want to achieve in life we are able to put in place an investment strategy that is right for you. We never look at the investment portfolio in isolation but rather how it can help you achieve your goals and manage your priorities in life.

Managing a portfolio, be it for capital growth or to provide an income, is seen as the most important aspect of financial planning for many clients. We fully appreciate the value it brings in terms of planning in areas such as retirement and school fees through to funding of long term care – or just providing peace of mind that there will be enough money to last for the rest of your life.

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Piercefield Oliver Services

Retirement Planning

With the funding of State pensions becoming more and more uncertain, planning for the long term is as important as ever and accumulating funds via a pension remains a highly tax efficient way of saving for retirement.

We help through the accumulation phase as well as looking at the most appropriate way to receive an income from your pension fund when the time comes. Very often individuals manage to accumulate various pension pots through their working life and we are able to review existing arrangements and ensure they are organised in a way that is cost effective and have the potential for real capital growth during the time the funds are invested.

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Piercefield Oliver Services

Estate Planning

From ensuring your will is up to date to helping you make difficult decisions about how your assets will be distributed after death are some of the most important aspects of estate planning.

We work with you to ensure the appropriate arrangements are in place in the event of your death or loss of mental capacity. We also determine the amount of any potential inheritance liability you may have and suggest ways in which this can be mitigated – this could include making gifts or establishing a trust arrangement. Some people do not mind the thought of the Government taking a portion of their estate on death and others feel that is the last thing they want. We will work with you to determine what you want to happen when you die and help you put the appropriate arrangements in place.

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Piercefield Oliver Services

Personal Tax Planning

Personal tax planning is something we consider in all of our recommendations. For example, this might include planning for inheritance tax mitigation, using investments where tax treatment is favourable or maximising use of tax reliefs. This will vary depending on individual circumstances but will always be a consideration in any advice we may give you.

In addition, Piercefield Oliver partners with a Chartered Accountant and refers clients who do not wish to complete their own tax returns – either because they do not feel confident in doing so or just wish to delegate the task.
When asked to do so, we work with you and the Accountant to help provide the information required to enable the completion of your tax return.

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Piercefield Oliver Services

Protection for you and your family

If you are concerned what might happen to you or your family in the event that you are no longer able to provide, either through death or disability, then we can look at certain scenarios through the financial plan in order to determine what monetary shortfall might exist in any given scenario.  

Additionally, if you have existing plans in place which pay out on your death, diagnosis of a critical illness or if you are unable to work, we can review these plans to ensure they are still suitable for your current needs, determine if they can be bettered in the market place or identify where any shortfall in benefits might exist.

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