Personal Clients

As life changes so do your financial goals. Getting married, moving home, having children, changing jobs and becoming retired are just some of the landmarks that affect your personal financial circumstances and arrangements, and with frequent changes in legislation and market conditions its surprising how quickly a financial plan can become outdated.  

Thats why many choose MCHB Wealth Management as their long term financial adviser, to know that we are on your side with an eye on your finances and always available to help you.

Taking financial advice can appear complicated. In reality one of our Private Client Financial Advisers makes it a fairly straight forward process during which your adviser draws on their expertise and experience to recommend strategies that are suitable for your circumstances, enabling you to make informed decisions. Our private client services include the following areas of of independent financial planning advice:

Protection  - Life Assurance, Critical Illness, Income Protection

Pensions and Retirement Planning - Personal Pensions, SIPPs, Income Drawdown, Annuity Purchase, Phased Retirement, Defined Benefits

Savings and Investments - ISAs, Investment Bonds, Unit Trusts, EIS

Tax Planning - Income Tax, Capital Gains Tax and Inheritance Tax

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Retirement Planning

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Investments

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Protection & Life Insurance

Retirement Planning

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The pensions tax regime

The combination of pensions and tax is enough to make most people’s eyes glaze over. However, the two are inextricably linked and if you ignore tax when planning your pensions, there could be a high price to pay.

Your financial needs in retirement

Planning for retirement involves much more than contemplating holiday brochures. As in so many other areas, advance planning is necessary to make the most of your non-working days.

Choices at retirement

Retire and draw your pension. It sounds so simple, but there are now a range of income options to be considered at retirement, with more in the offing. Make the wrong choice and you could spend 30 years regretting it. 

Investments

Do you know how much risk you are prepared to tolerate when you invest? This is the question that lies at the heart of investment planning – and very often the discussions about risk take the longest.

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The basic investment choice is between the following asset classes:

  • Cash deposits in banks and building societies

  • Fixed interest securities – effectively loans to the government or businesses

  • Property – commercial or residential

  • Equities – shares in companies listed on stock exchanges

These are the building blocks of investment portfolios. Your risk profile – how much risk you can and should be prepared to take on – will help determine the appropriate mix of these basic components in your portfolio.

There are several other important factors to consider such as how investments are taxed, the choice of investment managers and how accessible the funds.  All of these can make a substantial difference to your returns.

Choosing the right product, the right investment manager and the right fund needs expert advice.

Protection & Life Insurance

Most people are aware of the need to have life assurance if they have dependants or a mortgage loan. But you should not ignore the need to have health insurance protection that will pay you an income if you are ill and cannot work. You can also have cover that provides a lump sum if you are diagnosed as suffering from one of the specified conditions in the critical illness policy.

We have access to a large range of products through various providers and can recommend the types of cover that are relevant for you, calculate how much you need and for how long. We can also recommend and arrange cover with the most appropriate providers.

For most of us, life assurance underpins our financial planning, protecting our family.

Premature death and serious illness are fortunately relatively rare, so much so that insuring against these risks is not expensive – especially if you are reasonably young. But they happen frequently enough for life and health protection to be essential financial products.

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