Page 4 - Citypoint Brochure

RAYMOND JAMES, LONDON CITYPOINT

Services

PROTECTION

Ensuring that you have appropriate cover in place in case of ill health or death is another essential
element of financial planning. Your adviser will discuss policies that will help protect you and your
loved ones should something happen.

PENSION PLANNING

Finding the right pension product for you, or ensuring you effectively consolidate your pensions, is an
integral part of any financial plan. Pensions are one of the most tax-efficient savings methods available,
so it is important you are aware of the benefits and how to take advantage of them.

This might include finding the right products for you, or ensuring you effectively consolidate your
pensions. Your financial planner will discuss the various options available to you that best suit your
unique goals and objectives.

TAX-EFFICIENT INVESTMENTS

You may well be aware of tax efficient investments such as ISAs and pensions, but there are other
products that also provide tax relief. We will take you through any appropriate tax-efficient solutions
and how they can benefit you.

RETIREMENT PLANNING

It’s crucial to ensure that you have enough money for retirement to support your desired lifestyle.
When we review your retirement options, we’ll make a recommendation based on achieving the
income level you need.

This may involve drawing income from several different sources, including pensions, rental properties
and other investments you may hold.

INHERITANCE TAX PLANNING

Understanding your Inheritance Tax allowance and liability is a key part of effective estate planning.
Your financial planner will guide you through any potential liability and how this can be managed to
make the most of your Inheritance Tax and gifting allowances.

If your circumstances change, we can revisit your plan and adjust accordingly.

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