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Trust a specialist adviser to know all about it

All advisers have specialisms that you can quickly see in their individual profiles. So here's a handy guide to what each of those covers and why it may be important for you to get advice in that area.

Pensions and Retirement

Pension and retirement planning is critical to your future. You need specialist help from a financial adviser focused on the country you presently live and the current tax regulation of that country and any country where you have other pension provisions in place.

Your stage in life will need analysing to ensure that you maximise every opportunity to save tax efficiently for your future. There will be a wide range of options, each of which will need discussing in order to determine what the best solution will be for you.

If you are already retired, or not far off, then there will be another completely different set of options that need reviewing and matching to your needs.

Savings and Investments

Qualified savings and investment specialists can help with all aspects of planning, creating and building your wealth. Specifically, they will look at your unique circumstances to help you maximise your savings based on your income and outgoings, as well as taking full advantage of all applicable tax breaks that are available to you.

Saving and investing can be in many formats from monthly savings through to larger investment amounts that require a more detailed approach. Selecting the correct asset allocation into cash, bonds or equities is a vital function here and your adviser will help to assess your profile so that you have a suitable spread of assets based on your tolerance to volatility and risk as well as combining it with a desired investment return.

Insurance and Protection

Your financial adviser can help you with all types of insurance, from healthcare, travel and life, to protecting your income against ill health and covering liabilities such as your mortgage with critical illness insurance.

Protecting the people you love is the key here, and it needs meticulously thinking through so that a protection strategy can be implemented. Your adviser can even help find you specialist insurance to help with your relocation and all your valuable goods, as well as protecting you property, its contents and your pets too.

Personal Financial Planning

Whatever your goals, sound financial planning can help you reach them. Your financial adviser can help you identify your true goals, help keep you on track, mentor you, and encourage you to achieve your dreams, whilst constantly monitoring any changes that could have a bearing on your plans.

Annual reviews will be an important function of the process to make sure that you have not drifted off course, and to take account of changes in your circumstances.

Business Financial Planning

Whether you’ve been in business for years, or you’re just starting out and exploring the idea of working for yourself, it’s hard to be an expert in everything. Your financial adviser can help you structure your company, insure your business, deal with employee pension plans, protect your employees' well-being as well as your own, and recommend other specialists such as accountants, payroll services and tax advisers and international banking facilities.

Business succession and co-director/shareholder contingency plans also need to be in place in the event of serious illness or death, as well as stock-option planning and corporate money management.

Mortgages and Equity Release

Whether you’re a homeowner, landlord or developer, you will certainly need professional advice at various points along the way. A mortgage specialist can help and advise on all the various equity release arrangements, mortgage options and help you to minimise capital gains tax where applicable, so get robust guidance from an adviser who has the specialist knowledge in your location.

Property is widely seen as one of the best long-term investments. This has both pros and cons for you as a property buyer. On the plus side, you can be reasonably confident that your property’s value will increase over time, barring market crashes. On the downside, investor demand is what drives property prices so high – which can be frustrating if all you want is a nice home to live in.

Inheritance, Tax and Trusts

Tax is a good thing – our money keeps the country running. But paying too much tax certainly isn't. Annually in the UK alone taxpayers give away several billion pounds more than they need to. The 2015 figure is around £5 billion.

Governments create many opportunities for us to reduce the amount we pay in tax. However, many people are simply unaware of them and have therefore not taken advantage of them, so it would be wise to obtain advice from a specialist Tax and Trust adviser. That way you are getting robust and current advice on the opportunities available to you that might enable you to reduce your tax liability.

Inheritance, Tax and Trust planning is a complex area, and becomes more so if you run a business, have several sources of income, or family wealth that needs protecting and passing down the generations. Numerous factors will affect the amount of tax paid each year but, for many of us, fear of paying too little tax (and the possible consequences) means we often end up paying too much.

International Banking

International banking can be appealing to clients who wish to keep their money in one central location. By keeping your money in one place, you can more easily make transfers and payments in several currencies from a stable and secure jurisdiction. This provides you with a link between all of your banking arrangements, you can be in complete control of your money, wherever you are in the world.

Your financial adviser can help you determine the most suitable bank for your needs and guide you thought the whole process as well as introduce you to your new bank and all the facilities that you can access.