One of our biggest passions is talking in plain jargon-free English and helping people organise the different areas of their finances properly – so they are all working towards a common set of goals which are personal to you.
We don’t just want to sort out your pension, for instance. We are with you throughout your journey throughout life to make sure all aspects of your finances are set up in the best way to support you and your family so that you can spend more time on what’s important.
Savings
Pensions and Retirement
Mortgages & Equity Release
Investment Advice
Illness and Life Insurance
Inheritance Tax
Savings
Do you have a “rainy day” fund to support you during emergencies? Perhaps you are keen to build up your short and long-term savings in a strategic and tax-efficient way?
A ‘rainy day’ fund is a must and your first step in financial security. This is your readily accessible cash fund to cover larger and unforeseen expenses not normally covered by your income.
Savings might sound straightforward but it isn’t always clear where you should put your savings, how much you should set aside and how to fit everything into your wider financial strategy.
We can help you navigate this aspect of your finances to help achieve your financial goals, reduce debts and maximise your support funds through ISAs and other tax-efficient savings tools.
Pensions and Retirement
Will you have enough money to enjoy the lifestyle you want in retirement without worrying that you will run out of money? Are you on track to stop working when you want and how much income will you need for it to be it an enjoyable and rewarding new chapter?
At Suttons IFA, we help people understand the often complicated world of pensions and retirement. Part of that process involves understanding what you want your retirement to look like, assessing your current situation right now and outline your projected course.
From there, we can start to put forward recommendations about how you can get on track to meet your retirement goals – crafting a retirement plan to meet any shortfalls, grow your savings and provide a sustainable income that will see you living comfortable in you’re retirement.
Mortgages & Equity Release
Whether you are a first time buyer, experienced homeowner, property landlord or simply looking to release some equity from your current home, our experienced team at Suttons will be able to assist you. We have over 20 years’ experience in the property industry in both residential and commercial transactions.
Purchasing or remortgaging a property can be a stressful time. There are a number of factors to take in to consideration including; products, valuations and legal costs to name a few. As part of our relationship service at Suttons, we want to actively identify the best possible options, tailored to your individual circumstances.
Please feel free to get in touch with a member of our team to arrange a free, no obligation discussion either face to face or over the phone.
Investment Advice
Do you have confidence in the way your existing investments are being managed? Perhaps you would like to start investing but don’t know where to start.
Investments are key to protect the value of your savings against inflation and deliver the returns you may need or wish to achieve. Our investment management service is designed to deliver the highest returns for your chosen level of risk and reward and we can help you put in place sensible investments you are comfortable with, reduce excessive management fees and grow your wealth.
Contact one of our advisers for details of how we manage our clients investments and details of the various investment portfolios we recommend.
Illness and Life Insurance
What would happen to you or your family if you could suddenly no longer work? If you are a business owner, are you confident that your business would continue to thrive if a key person was abruptly removed from the picture?
It isn’t pleasant to think about, but we owe it to our family and business to ensure their welfare in the event that the worst happens. Here at Suttons IFA, we can provide you with the advice on how to ensure you and your family are protected, whatever happens.
Whether you need critical illness insurance, income protection or a policy to cover your business partnership, our team can help you find the best policy and solutions to fit your needs.
Inheritance Tax
Are you confident that your wealth would be passed on to your loved ones when you die, fully in accordance with your wishes? Will more go to the taxman than is really necessary?
Inheritance tax is a difficult area to navigate by yourself and the stakes are high. Yet with Suttons IFA, you do not have to sort through everything alone. Our team can assist you with understanding your options and arranging your estate so that you pass on as much wealth as possible to your loved ones, without affecting your own financial security.
