To us it is not just about comparing and selecting financial products, it goes beyond that. At the heart of what we do is focussing on the individual, your circumstances, your objectives, and your aims. We focus on offering a truly independent personalised service to our clients enabling us to develop long lasting relationships. Every solution is truly bespoke and based on long-term financial solutions.
Our unique service offers advice in several key areas, such as investment portfolio management, estate planning, taxation strategies, life cover solutions and retirement planning ideas. As we work together to manage and preserve your wealth, plan for your retirement, or protect your estate from inheritance tax, the services detailed in this section can have a part to play, depending on your specific requirements.
As a Coleridge Capital client, you can be fully assured that everything we do, is with you in mind.
The idea of affluence depends on where you want to go and the
financial security you wish to attain.
Each of our
clients is unique, that’s why we begin by understanding your
financial personality, getting to know you, your
circumstances, your attitude towards investment risk, any
investment preferences you may have and what you want your
wealth to achieve for you and your family. This enables us to
provide you with the appropriate services and level of advice
and support you need.
You may be looking to grow the long-term value of your wealth,
to provide an income for your later years or to pass capital
on to future generations. A successfully managed wealth
portfolio is one that balances investment potential with a
level of risk that you find acceptable. Increasingly, growing
the value of your portfolio entails keeping abreast of market
intelligence, factoring in the effects of global developments,
and blending a diversified range of investments from different
sectors of the economy and markets, in the UK and around the
world.
For those with a higher risk appetite, then investment
vehicles such as Enterprise Investment Schemes (EIS), Seed
Enterprise Investment Schemes (SEIS) and Venture Capital
Trusts (VCT) can be effectively used. Our independence means
we have access to the whole of market to find the best
solutions for your needs.
Many parents are looking for ways to save for the big events
in their child’s life – schooling, university fees, a deposit
on a property or a wedding.
We help our clients
put in place the right plans for their needs, giving them as
much or as little control as they would like over the money
saved for their children.
There are a number of savings options available.
They each have different tax rules and provide access to the
money at various ages. We will help you make the right choices
based on your circumstances and aims.
Public concern for the environment, including the impact of
climate change, has reached its highest level in recent years.
There is now a growing realisation that investors can have a
significant role to play in addressing the environmental and
social challenges the world is facing.
By being independent, we engage with our preferred list of
investment managers to provide a range of solutions that
focuses on Environmental, Social, Governance (ESG)
investments, i.e. those looking to make a more positive impact
on the future. Investor’s requirements from investments that
do no harm and are at the cutting edge of those technological
and environmental advances to build a more sustainable world.
One of the most important goals on our client’s journey is
towards financial freedom through the accumulation of a
substantial pension portfolio. We ensure that our clients make
use of all available tax allowances and employ a blend of
strategies designed to ensure that when they choose to
celebrate their retirement, they have built up substantial
assets.
Once in retirement, our focus is on the tax-efficient drawdown
of their income.
We design specific wealth management strategies that match
your individual aims, objectives and circumstances, that
utilises not only a range of pension structures, but also
makes use of other tax allowances such as building an ISA
portfolio to provide tax free income.
If you are self-employed, in a partnership, a company
director, business owner or executive, we can advise you on a
wide range of pension arrangements, including Self-Invested
Personal Pensions (SIPPs) and Small Self-Administered Schemes
(SSASs). As part of our holistic approach to your finances, we
will also advise you on income drawdown, cashflow management
and Inheritance Tax planning.
We all want to keep our families safe and properly protected.
Understandably, nobody wants to dwell on the unwelcome and
unexpected events that life sometimes has in store. This means
that it can be all too easy to overlook the benefits of
protection insurance that could be a great help financially in
the case of an accident, illness or death.
We help our clients ensure they have the right types of policy
in place across a range of potential risk scenarios, providing
much-needed peace of mind for them and their families.
It is important to remember that protection policies don’t
just pay a lump sum on death or the diagnosis of a critical
illness, they can also play a major role in estate and
business planning, help parents pass their wealth on to future
generations tax-efficiently, and can have a major role to play
in inheritance tax planning too.
We offer practical advice on protection policies that would
provide a lump sum or a regular income if disaster were to
strike, meaning your family would be able to pay off the
mortgage and other debts, and continue to have the lifestyle
they enjoy.
If you were diagnosed with a life-threatening illness that
meant you were too ill to work, then we can arrange a policy
which would provide a regular tax-free replacement income,
removing financial worries and avoiding the need to dip into
capital at a difficult time.
There is a simple and effective way to legally avoid
Inheritance Tax (IHT) on any policy pay out that we regularly
recommend to our clients. Life policies written under trust
don’t form part of an estate when it comes to calculating IHT.
They have another benefit too; life policy proceeds can be
paid out before probate is granted and therefore provide an
effective means of getting money quickly into the hands of
beneficiaries.
We are able to advise and assist clients in the mitigation of
their tax liabilities, helping them to preserve and pass as
much of their wealth as possible to their heirs.
Inheritance Tax is paid if a person’s estate (their property,
money and possessions) is worth more than £325,000 when they
die. Your estate will owe tax at 40% on anything above the
£325,000 inheritance tax threshold (or 36% if you leave at
least 10% of your net estate to a charity). Married couples
and civil partners are able to pass their possessions and
assets to each other tax-free (if UK-domiciled) and the
surviving partner is allowed to use both tax-free allowances
(when not utilised at the first death), effectively doubling
their combined nil-rate band to £650,000.
We can help you to reduce the amount of IHT that would
otherwise be payable. This can include measures to invest in
tax-efficient share schemes or business ventures, giving away
assets in your lifetime, taking out life insurance policies,
setting up trusts, making gifts from your surplus income,
maximising the use of your annual tax-free allowances, or
giving money to charity.
We can help ensure your Will reflects your wishes and is
written in a way that will take into consideration inheritance
tax mitigation. We oversee powers of attorney and trust
implementation and we will work with your lawyers to update
and manage this process.
We offer full independent mortgage advice from across the
whole market to provide a tailored one-to-one advisory
service.
With the various lenders active in this market operating under
differing mortgage criteria, rates and charges, we know how
important it is that you get the right mortgage for your
needs. We have an established network of lenders that we work
with on a regular basis, meaning we can find the best deal
available for you and your circumstances.
The types of mortgages we frequently advise our clients on
include:
Loans in excess of £1M
Buy-to-let
Mortgage for the self-employed
Equity release/lifetime mortgages
Effective tax planning can make a significant difference to
the tax you pay. What is more, not having the right plans in
place can lead to your capital being substantially eroded.
We work with you to assess your financial position and put in
place measures to ensure that you make optimal use of the
tax-free allowances available to you. Simple but effective
income tax planning steps can include using ISAs or
transferring savings to your spouse to eliminate or reduce
income tax (and capital gains tax), putting as much as
possible into your pension plan, and making the right
investment choices.
At Coleridge Capital this is an ongoing process that ensures
that your tax optimisation strategy takes into account your
financial goals and reflects any changes in your
circumstance’s year-by-year. It is designed so that when you
reach retirement, your assets will be structured in such a way
that your income and capital will be subject to the lowest
possible rates of taxation.
Having a clear understanding of your financial needs will help you prioritise your goals and objectives. Determining where you currently are in your financial journey can enable us to work with you to plan effectively for you and your families future.
