Walsh & Co                                                                     Helping You to take control!
Independent Financial Planners



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Our Services

Follow the links below for a brief outline of our services


1. Comprehensive Financial Planning

2. Retirement Planning Strategies

3. Tax Planning

4. Cash Flow Spending Plan

5. Estate Planning and Inheritance Tax Mitigation

6. Family Protection and Risk Management

7. Business Owner Succession Planning

8. Independent Mortgage Advice






1. Comprehensive Financial Planning

An in-depth review of your financial life including your income, expenses, net worth, debt, investments, insurance and protection , taxes, retirement, school/university fee funding and estate planning.  This provides you with a big picture view of how all the areas of you financial life fit together. This is a great starting point...You have to know where you are now to enable you get to where you would like to be in the future!

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2. Retirement Planning Strategies

 A forecast of benefits and costs of retirement.This includes an evaluation of your options, and analysis of the investments in your current retirement plan, with consideration for your financial needs, risk tolerance and investment horizon. This will also involve you in exploring your hopes for your lifestyle in retirement and the likely income requirements to enable you to achieve your goals.  Retirement security starts with a solid plan.

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3. Tax Planning

Help to minimize your tax liability by making wise decisions with pension plans, using tax efficient investment products such as ISA's, National Savings Certificates, etc.  Where required this service also incorporates a tax return preparation facility to enable your annual self assessment tax return to be properly completed and submitted to H M Revenue & Customs on your behalf.

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4. Cash Flow Spending Plan

Assistance in developing a budget and coaching clients who wish to live debt free for life.  Without a proper and full understanding of how you currently spend your hard earned  money it is more difficult to divert some of that spending to saving for the things that are important to you.  This service helps you to take control of your spending and enables you to recognise, perhaps for the first time, what is really important to you and provides you with the foundation upon which your future plans can be based.

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5. Estate Planning and Inheritance Tax Mitigation

This involves helping you to understand your estate planning needs, discuss your options and,  where appropriate, refer you to a specialist legal advisor for drafting appropriate wills, trust documents and any other legal matters that arise from our recommendations.  To develop a plan that works for you we will also take into consideration your lifestyle, now and in the future, your assets, age and any other rqeuirements that you might have.  In our opinion it may be a fruitless exercise to give assets away simply to avoid tax,  which then leaves you unable to live your life as you wish due to a lack of income/assets.

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6. Family Protection and Risk Management

An analysis of your need for life, disability and health insurance, is performed taking account of your circumstances.  Recommendations made where appropriate of suitable methods to meet your needs and those of your family.

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7. Business Owner Succession Planning.

Many small business owners reach a stage in their business career where they start to consider how best to establish an "exit-route" from their business, perhaps by passing it on to members of their family who already work within the business or by an outright sale to a third party or existing management/workers.  We can assist you in formulating a strategic plan to satisfy your goals and also to ensure that any succession is achieved in a tax efficient manner.  This would of course involve liasing with your existing accountant to enable proper advice to be given.

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8. Independent Mortgage Advice.

We are able to research the market to help you to find the most suitable mortgage for you given your financial circumstances and needs.  

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Walsh & Co
Independent Financial Planners
977 London Road
Leigh on Sea
Essex
SS9 3LB
Tel: 01702 476800
e-mail - info@walshifp.co.uk

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