Our approach is to create a personal financial plan that’s tailored to you. We’ll help you to keep to that plan through ongoing support and advice. The services we provide as part of this planning are outlined below.
Pensions & Retirement Planning
Your retirement is the end of a chapter and a new beginning, so you need to start planning. But sometimes it isn’t that easy.
The government’s pension freedoms may have opened the options when it comes to retirement planning, but pensions can still appear as complicated as ever.
At Bow Financial Services, we simplify the process by narrowing down your choices to what’s most relevant to your needs and interests. We remove the complexity, offer simplicity and promise an effortless route to securing a retirement that suits you.
Savings and Investments
Whether you choose to invest or save, a shrewd approach will create a strong foundation that will help you work towards your financial goals. However, it can be difficult to decide which direction to take.
By placing your goals and desires at the forefront of our process, we can determine the most suitable approach for you. We’ll analyse your finances from all angles, act upon identified opportunities, and do what’s required to reach your ambitions. You’ve worked hard for your money and we’re here to make sure it works hard for you.
Please note that investments are subject to fluctuations in the market, making them liable to go down as well as up.
Inheritance Tax Planning
Inheritance tax is a complex area of the law that undergoes constant change, but we’ve helped many clients to preserve their wealth and assets for their loved ones in this way.
Our inheritance tax (IHT) strategy is designed to keep what’s rightfully yours within the family by ensuring the tax you pay is minimal but fair.
We understand your situation is unique and will require a bespoke approach to achieve maximum results. We’ll also examine additional solutions such as wills and trusts and the role they could play in your IHT strategy.
Protection
Of course, no one likes to think about death or illness, but protection insurance is worth considering as part of a well-rounded financial plan.
A bespoke protection plan that’s designed to pay off your major outgoings – such as your mortgage – if you became critically ill, or died, can provide that added peace of mind that you have absolutely everything covered.
We can talk you through the options from life insurance to critical illness cover through to income protection.
Equity Release
Equity Release is a way of unlocking the value of your home in order to access more capital in retirement. This can be paid as a lump sum or in instalments.
At Bow Financial Services we’ll talk you through the details surrounding Equity Release, underlining the advantages and disadvantages to determine whether it’s the right choice for you. If Equity Release is a suitable option, we’ll create a bespoke strategy that focuses on your goals and objectives.
Mortgages
With dozens of lenders available and a multitude of attracting-sounding offers, finding the right mortgage can be overwhelming even for the most financially savvy among us.
Regardless of your employed status, we’re here to find you the right offer and to provide you with the best possible mortgage experience.
We recognise that the smallest of differences in lenders’ rates will affect the size of your mortgage repayments. That’s why we’ll provide you with access to the most competitive rates available on the market. From beginning to end, we’ll work closely with you to ensure everything runs as smoothly as possible.