OUR SERVICES

In all modesty, we are wealth management experts. We offer personalised, actionable financial advice - and people tell us we're pretty good at it.

INVESTMENTS AND SAVINGS

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You can accumulate wealth in many different ways. Legacies, gifts, the sale of a property or business, or indeed simply saving some of your income in a structured and dedicated way over many years. Any, and all, of these lead to growth in your wealth.

 

But wherever your capital comes from, it is important to ensure that it is well looked after; that suitable funds are set aside for emergencies and short term needs, and that money needed for longer term goals is invested wisely and tax-efficiently in areas that provide realistic growth prospects. At Carey & Johnston we can advise and guide you through this process in a way that best suits your individual needs. You can benefit from our investment expertise and professionalism, which we have honed meticulously over many years as financial advisers.

We will be careful to place your capital in appropriate investments that dovetail with your needs, priorities, and experience. Any plan we develop for you will be influenced by certain key factors worked out with you. We will, for example, discuss what income you need to meet your monthly outgoings, and how much ready cash you need to keep available. Should you be comfortable investing some of your longer term funds, we will take into account your own experience and understanding of investments to date, and your feelings about them. We will also be sure to use the most tax efficient solutions for your needs. We have experience in investing wholly or partly in ethical funds as well, should this appeal to you.

If you choose to develop a portfolio of investments, we can monitor their performance regularly, and discuss this and any resulting suggested changes with you at periodic review meetings.

Please note that the value of investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate Taxation and Trust advice.

PROTECTION ADVICE

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For many people, the most important aspect of their financial planning is to make sure that the people closest to them are financially secure should something go wrong.

 

Being unable to work because of sickness, being diagnosed with a serious illness or, worse still, the passing of a loved one can bring about long periods of worry, stress and pain, and very commonly unwanted financial upheaval. Our role at Carey & Johnston is to ensure that you have spent some time considering these areas, and put in place plans to ensure that if the worst happens, concerns about money don't add to the situation.

 

We can talk you through Life Assurance, Critical Illness Protection, and Income Protection plans along with other types of protection-based products that we feel may suit your circumstances. Our goal is to provide you and your loved ones with valuable peace of mind by arranging an affordable protection solution for your needs.

Please note that protection policies have no cash value and do not pay out if you reach the end of the policy without making a valid claim.

RETIREMENT PLANNING

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Whether you are employed or self-employed, thinking about how you will fund your retirement years should be an important part of your financial planning. Most people realise that they cannot rely on the state for more than the basics.

 

However, planning for retirement is a complex business and there are more and more options available, particularly since early in 2015 when George Osborne 'opened the doors' on pension funds for people over 55. But this must be done carefully, since there can be tax implications depending on your income, and not surprisingly, if you spend it all now, there will be none left for your later years.

 

Not only are there more options, but many commentators are of the view that tax relief on contributions to pensions may disappear in the not too distant future.

 

Seeking genuine and unbiased advice is now of critical importance; this is the case whether you are in the building phase of your retirement funds, or at the stage of making use of those funds.

 

Should you wish to take your pension now, defer your income to a later date, or simply want to consider your pension options further, we at Carey & Johnston would be delighted to help. We can explain your options in simple and straightforward terms and guide you down the route that is best for you.

Please note that a pension is a long term investment; the fund value will fluctuate and could go down, which would have an impact on the level of pension benefits available to you.
Pension income can also be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.