financial planning

Both individuals and businesses share the need to do prudent financial planning. Aspects of planning such as budgeting, putting aside money for the future or emergencies and investing apply equally to both. We are now able to offer clients a new way of managing their money with a Financial Planning service that is integrated into a seamless service with tax, accounts and legal advice.

Our financial planning team is led by Karen Miles & David Taine who looks after clients from our Cambridge office. In order to comply with the terms of the Financial Services Act our investment business is transacted through AWA Financial Planning Limited which is an authorised representative of Oakwood Asset Management. We do not handle client money directly.

You can choose how you would like to pay; either a straightforward fee or opt to allow us to receive a commission (the amount of which can vary or be agreed in advance). This means that you stay in control and we can ensure that you are not concerned that the advice we give is coloured by the reward that we might receive.

news

27 October The Government plans to launch a tax-free “Junior ISA” to replace the Child Trust Funds that were abolished in the summer.

22 October  Gilt yields fall to historic low.

14 October  The Treasury has announced that the annual pensions allowance will be lowered to £50,000 and the lifetime allowance to £1.5 million in a move that will save £4 billion a year.

22 September - The Financial Services Compensation Scheme has announced that the protection limit for savers will increase from £50,000 to the sterling equivalent of €100,000 in January.

14 September - Consumer price inflation remained well above the 2% government target in the year to August with higher air fares, rising clothing costs and food price increases all combining to keep inflation unchanged at 3.1%.

20 August - HM Revenue and Customs is to soften its stance in resolving tax disputes with businesses in a bid to unlock billions tied up in court battles over avoidance, according to the Financial Times. 

11 August - The pound continued its retreat from recent highs as investors are increasingly nervous about the state of the world economy and consumer confidence in the UK fell to a14 month low. The pound was down another cent against the dollar at $1.5793 in morning deals, having fallen as much as two cents at one point yesterday. According to the Nationwide survey, consumer confidence fell for the third consecutive month in July and now stands at a similar level to May 2000

 

business

Invest company funds for better return. Make your money work harder.

We help manage your budget and cash flow to reduce the uncertainties in your business to the minimum

Start planning ahead to allow you to achieve your plans for your business

Advice on business plans and fund raising for new businesses

Link together tax, legal and financial planning when selling or winding up your business.

 

international

Manage your finances when you move to or from the UK, individuals or businesses. Reduce the risks and uncertainties and modify your investments to take account of your new circumstances.

Unlike most financial advisers we can bring together the tax and financial planning into one comprehensive service

- retiring overseas
- taking a new job overseas
- moving to the UK
- setting up a business abroad

Managing currency risks e.g. on buying a property, mortgages and  loans

We offer a comprehensive service to businesses moving to the UK including all financial planning e.g. office accommodation, remuneration packages, employee benefits as well as the "normal" tax and accounting services.

individuals

All financial planning should begin with a thorough analysis of your overall financial position. We link in tax as an integral part of that analysis.

Plan ahead for the major financial challenges;

  • School and University Fees

  • Retirement

  • Buying property

  • Making major purchases 

Save towards the things which are within your control; 

  • Tax Efficient Savings

  • Investments

Protect yourself against the consequences of key risks outside your control

  • Wills and Inheritance Tax

  • Life Insurance

  • Disability or illness protection