What We Do
Tailored Solutions For Your Financial Future
At AmberStone, we help you take control of your finances with a clear, structured plan tailored to your goals. We provide ongoing support to keep your plan on track.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
We’ll review your current pension situation and put a plan in place to help you achieve the retirement lifestyle you want.
We offer guidance on a range of investment options that align with your financial goals and tax situation, helping you grow your wealth with confidence.
Our expert planning can help you minimise inheritance tax and protect your assets, ensuring more of your wealth is passed on to your loved ones.
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Other Services
We can also assist with personal and business insurance, specialist investments, and long-term care planning to provide you with financial security at every stage of life.
Services
Retirement Planning
Retirement planning, sometimes known as pension planning, is the process of preparing for financial security after you stop or reduce working. It involves setting financial goals for retirement, estimating future living expenses, and determining how much you need to save and invest to meet those goals.
Retirement planning takes into account factors like your ability to contribute to a pension, your attitude to risk, your desired lifestyle, anticipated retirement age, life expectancy, and potential healthcare costs. We will also aid this process by undertaking a cashflow analysis, giving you a deeper insight into what your retirement might look like on a more detailed, year-on-year basis.
Services
Investment Planning
Investment planning is the process of creating a tailored strategy to achieve growth, generate income, protect your wealth, or a mix of these over time. It involves assessing your financial goals, attitude to risk, and your longer-term plans to select the right mix of investments. Such investments can include asset classes like equities, bonds, property and cash, depending on your attitude to risk and other factors. Whether you’re aiming for long-term capital growth or seeking a sustainable income stream, we help design a plan that meets your needs.
We have access to various investment wrappers such as ISAs, Unit Trusts and Investment Bonds to meet your needs. Our expert planning ensures your investments are tax-efficient and optimised with the aim to deliver the right balance of growth and income, while managing risk and adapting to your changing financial situation.
Services
Inheritance Tax Planning
Inheritance tax planning involves organising your estate (assets, liabilities, wills etc) to minimise the amount of inheritance tax that may be due upon passing. There are strategies such as gifting, setting up trusts, and making the most of available allowances and exemptions that can help you reduce the potential tax burden on your estate.
Our expert advice aims to ensure that more of your wealth is passed on to your loved ones, rather than being subject to unnecessary tax. We will work closely with you to create a tailored plan that meets your financial goals and protects your family’s future. Like all financial planning, this should be continually reviewed as tax rules and personal circumstances change.
Services
Other Services
We can also help with other areas of finance too. This includes personal and business protection, ensuring you or your business is sufficiently insured should unforeseen circumstances occur is extremely important when for example your income is relied upon or you hold a key position within your business.
Further to this, we can also assist with other specialist investments that can suit specific needs relating to tax and attitude to risk, for example, VCTs and Business Relief products.
Venture Capital Trusts (VCT) and Business Relief (BR) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise, and investors may not get back what they originally invested, even taking into account the tax benefits.
Contact
Get In Touch
We’d be delighted to speak with you and always offer a free, no obligation initial chat to see if working together is the best way forward.