THISTLE FINANCIAL PLANNING
Savings & Investments
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ISA’s
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Investment Bonds
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Investment Trusts
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Unit Trusts
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Open Ended Investment Companies (OEIC’s)
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Lump Sum
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Regular Savings
Whatever you are saving for your children’s future, greater income in retirement or simply a better return, we can ensure that you are provided with the most suitable options for saving and investing your money.
Ethical Investments
Thistle Financial Planning are also proud advocates of green or socially responsible investments. This means that we provide a range of products and services which offer both financial benefits as well as social and ethical benefits.
As Independent Financial Advisers we focus on several important areas when providing advice to clients on their investment needs:
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DIVERSIFICATION - The allocation of capital between different asset classes such as Cash, Fixed Interest, Property and Shares.
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RISK - Focusing on what investment risk means, discussing "risk verses reward", and forming solutions to match each client's risk profile.
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TAX - Constructing solutions to utilise a client's fiscal circumstance.
TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.
WE OFFER A RANGE OF SERVICES TO HELP YOU MEET YOUR INVESTMENT AND/OR RETIREMENT OBJECTIVES. WE PROVIDE INDEPENDENT INVESTMENT ADVICE WHICH WE WILL DISCUSS WITH YOU AS DESCRIBED IN OUR IMPORTANT INFORMATION ABOUT OUR SERVICES DOCUMENT.
THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
TAXATION ADVICE IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Pensions
The fact is most people retire on less income than they would like. It is vitally important to obtain the best retirement financial planning advice as early as possible. If you are approaching retirement you may be considering your retirement options and how to invest for your retirement.
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Drawdown
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Auto Enrolment
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SIPPS
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Annuity Purchase
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Stakeholder
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Pensions & Divorce
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Pension Review
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Retirement Planning
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Pension Consolidation
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Auto Enrolment
A pension is a long-term investment. Your eventual income may depend on the size of the funds at retirement, future interest and tax legislation.
THE PENSIONS REGULATOR IS THE STATUTORY REGULATOR FOR WORKPLACE PENSIONS.
AUTO ENROLMENT IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Protection
Protecting yourself and your home is essential. Life assurance and health cover need not be expensive. We can offer advice on:
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Life Assurance
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Critical Illness cover
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Income Protection
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Mortgage Payment Protection
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Business Protection
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Key Personal Insurance
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Relevant Life Insurance
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Buildings & Contents
How would your loved one’s cope if you were not here?
How would you meet your Mortgage commitments and/or household bills if you were unable to work due to accident or sickness?
If you are in employment, how long would your employer pay you in the event of long term ill health?
Do you run your own business and wish to protect your staff and provide employee benefits?
We can provide the right advice and quotation under no obligation for all your protection needs.
Protection plans with no investment element will have no cash in value at any time. If premiums are not maintained then cover will lapse.
Tax & Trust Planning
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Capital Gains Tax
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Income Tax
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Estate Planning
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Taxation Planning
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Life Trusts
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Asset Protection Trust
In our opinion, passing on your wealth to loved ones is better planned sooner rather than later. Estate planning can be complex and time consuming, our objective is to help you plan your wealth for you and your family in the most tax efficient way.
Our advice on trusts can help achieve substantial saving in inheritance tax and control what happens to your estate, both immediately after your death and for generations to come. Placing assets into trust ensures your intended beneficiaries do not suffer delays, costs and publicity often associated with probate.
TAXATION ADVICE IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
Mortgages
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First Time Buyers
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High Loan to Value
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Self Build
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Flexible
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Right to Buy
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Buy to Let*
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Residential
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Sub Prime
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Re-mortgage
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Self Employed
As we are independent financial advisers Thistle Financial Planning has access to the entire marketplace. We are not tied to a lender meaning that the research we will undertake on your behalf will access as many lenders as possible, with the aim to source the best mortgage deal for you!
Some lenders will lend more than others while some take different views on your employment contract if you are not permanent for example. These are areas that an experienced adviser can help you with, to let you see not only who has the best rates but also who to place your loan application with.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Please be aware that from 6 April 2016 higher rates of Stamp Duty Land Tax and Land & Buildings Transaction Tax (Scotland) will be applied to the purchase of additional residential and non-residential properties.
We normally charge a fee for mortgage advice however, this will be dependent on your circumstances. Our typical fee is £295. We may also be paid a commission from the mortgage lender.
*The Financial Conduct Authority does not regulate most forms of buy to let mortgage.
General Insurance
Different categories of General Insurance available at Thistle Financial Planning include:
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Home Insurance
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Accident, Sickness & Unemployment
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Commercial Insurance
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Travel Insurance
General insurance aims to cover those everyday essentials in your life, giving you peace of mind that if the unexpected was to arise, you would not be met with great financial loss. Thistle Financial Planning offers a range of General Insurance to ensure that you are covered in the event of an accident, theft or illness.