Pensions
With longer lives and improved health, planning for the future is more important than ever. PM Independent Financial Services can simplify the complexities of pensions, helping you decide when you’d like to retire, what you envision for your retirement, and how much income you’ll need to support it. We take the time to understand your unique circumstances and review your current pension plans. From there, we guide you through your options and design a retirement plan tailored specifically to you.
Savings and Investments
We begin by understanding your investment goals and discussing your risk tolerance. Next, we’ll develop a plan tailored to your personal circumstances and explain the different types of investments available. PM Independent Financial Services leverages market-leading technology and research to provide access to portfolios that align with your risk profile. Tax efficiency is a key consideration; we ensure you’re making the most of available reliefs and allowances, and that your investments are structured in the most tax-effective accounts, such as ISAs and Investment Bonds.
Protection
At PM Independent Financial Services, we recognise the importance of financial protection, which is why it forms a key part of our initial discussions. We’ll help you understand how illness or death could impact your family’s financial future. We’ll walk you through the different protection options and create a solution tailored to your specific needs.
Additionally, we offer Business Protection to safeguard against the loss of key individuals in your business. Specialising in Shareholder, Partnership, and Key Person Protection, we can design a comprehensive protection plan based on your business’s requirements.