Financial Planning

Clarity and purpose for your finances going forward.

Tax efficient investments

Investment schemes offering tax incentives.

  • Enterprise Investment Schemes (EIS)
  • Venture Capital Trusts (VCT)
  • Inheritance tax portfolio services
  • Business Property Relief (BPR)
  • Individual Saving Accounts (ISA)

Retirement planning strategies

Solutions for pre- and post-retirement planning.

  • Pension consolidation/transfers
  • Personal pensions
  • Self-Invested Personal Pensions (SIPP)
  • Small Self-Administered Schemes (SSAS)
  • Annuity purchase
  • Pension income drawdown

Investment solutions

Providing growth and income solutions.

  • Individual Savings Account (ISA)
  • Unit Trusts
  • Open-Ended Investment Companies (OEIC)
  • Discretionary managed services
  • Offshore and onshore bonds

Pensions

Giving you expert guidance.

  • Group Personal Pension Schemes (GPP)
  • Executive pension arrangements
  • Defined contribution company pension schemes

Inheritance tax planning and estate preservation

Mitigating inheritance tax on your estate.

  • Trusts: discretionary, absolute and discounted gift
  • Life assurance protection of gifts and estates
  • Shareholder disputes: valuing businesses and asset
  • Business property relief solutions

Financial protection for you and your family

Helping you protect your lifestyles.

  • Life assurance
  • Mortgage protection
  • Critical illness cover
  • Whole of life cover
  • Income protection

Business protection

Reducing risk with sensible solutions.

  • Key person protection
  • Share protection
  • Business loan protection

Employee benefits

Giving your staff benefits that matter.

  • Group death-in-service schemes
  • Group income protection
  • Group medical insurance

About our team

We are independent whole-of-market financial, providing impartial services to our clients. We specialise in delivering well-researched, unbiased solutions from the whole of the market, because we neither promote nor manage in-house investment services or products.

Our advisors are professionally qualified to give independent financial planning advice. We are regulated by the Financial Conduct Authority, giving you assurance of our service quality.

We take great pride in the way that we deal with our clients, but we do accept that sometimes things do not go as well as we would hope. Should this happen, we would hope to spot the problem early on and rectify matters without any inconvenience to you. However, should you ever wish to register a formal complaint, please contact Phil Smithyes explaining the nature of the problem either in writing to:

Crowe Clark Whitehill Financial Planning Ltd at:
Aquis House
49-51 Blagrave Street
Reading
Berkshire RG1 1PL

or by telephone on

0118 959 7222

On receipt, your complaint will be acknowledged and you will receive a copy of our complaints handling procedure. The matter will then be investigated in line with that procedure and our findings will be reported to you in writing.

If you cannot reach agreement with us, you may be entitled to refer your complaint to the Financial Ombudsman Service, subject to certain time limits, unless the complainant is a business with turnover over €2 million or at least ten employees, a charity/trust with income/assets over £1 million, or a professional client.

The Financial Ombudsman Service is an independent service in the UK for settling disputes between businesses providing financial services and their clients. Their website address is:

www.financial-ombudsman.org.uk

Full details of how to refer a complaint to the Financial Ombudsman Service are shown on their website. We also provide those details as part of our final response when we complete our investigation of any complaint.

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10
business-people

Protection planning for businesses

Advisory
A series of briefings on protect your business, your directors, shareholders and employees.
23 Aug, 2016
horizon-road

Lifetime Allowance reduction

Partnerships/LLPs
If the value of your pension benefits are likely to reach the LTA when you draw benefits, you should consider making an application for Fixed or Individual Protection 2016.
8 Aug, 2016
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