Experiences

Tax-Planning

‘Mr and Mrs D had income tax bills of £32,000 and £47,000 and we were able to reduce these to less than £5,000 each whilst also giving a good spread of investments for growth towards retirement planning’

Tax-Planning

‘Mr and Mrs W had an inheritance tax liability of £765,000 and we were able to reduce this to just £240,000 by re-organising their investment portfolio to include business property relief and trusts. The remaining liability was covered by an insurance policy to mean no inheritance tax liability needing to be settled by their children and the family home could be passed down to the next generation’

Tax-Planning

‘Mr and Mrs M had a Capital Gain of £300,000 following the sale of a property. We were able to defer £200,000 of that gain to future years through tax-planning investments, where they had a preferential tax position and saved £14,000 in tax.

Investments

"My wife and myself were introduced to Sue and her team some years ago. During that time, she has managed our financial affairs in a highly professional manner. At no time have we been given any reason to doubt advice that she has given us, which has been reflected in the returns on our investments made on that advice. We particularly like the personal approach that Sue has made, enabling her to accurately assess our needs.

We have no hesitation in recommending FTA Finacial & Wealth Management, led by Sue Delahunty as a highly proficient Financial Advisor"

Ray and Moira Cantwell

Investments

‘Mr and Mrs B had a large investment portfolio which had achieved an average of 3% growth per annum, which they were content with. However we were able to reduce their product charges, diversify their portfolios, add active management and increase their net annual yield to 5% per annum whilst retaining the same level of risk’

Pensions

'Mr P had pensions approaching the lifetime allowance and was moving towards a liability for a tax charge (up to 55% on excess). With active planning we ensured he did not exceed the lifetime allowance whilst not surrendering any investment growth or tax-efficiency.’

Pensions

‘Mr and Mrs G has saved into pension their whole lives but were approaching retirement and didn’t know their full range of options. We assessed their objectives and were able to construct a plan to provide them with access to lump-sums, flexible withdrawals and guaranteed income so as to ensure their savings benefitted them as much as possible throughout retirement.’