Financial Planning
Financial Planning is working with you to make sensible decisions about money that help you achieve your goals in life.
A financial plan
will include:
Your income
Your expenditure
Your savings
Your investments
Your assets
Your debts and liabilities
Your protection needs
It will
plan for:
Retirement
All planned expenditure
Repaying loans
Estate Planning
It will allow
for Unforeseen Circumstances:
Death
Disability
Unemployment
Life style stages
planning your finances to meet your goals will:
Have a better idea of where you are going in life
Help reduce your stress levels and enable you to enjoy life more
Gain a degree of control and peace of mind through knowing whether you’re on track for the future you want for you and your family
HOW WE CAN HELP YOU
The heart of financial planning is understanding the amount of money you will need to fulfil your goals, dreams and aspirations.
Inevitably it includes pension and investment planning and you can find out more about our service below.
In helping you to manage your wealth, we can advise on how to save to create wealth, how to invest, how to borrow for property purchase, how to plan to meet expenditure, such as replacing cars, paying education expenses, buying a holiday home, etc. Finally, we can help you to pass your wealth on to the next generation.
Our service will start with a detailed fact finding process to learn about you, your goals, your financial position. We will also help you to take advantage of all the tax savings available. We consider Income Tax, Capital Gains Tax and Inheritance Tax.
If you would like to speak to Johnston Financial about managing your wealth, please contact us by phone or use our Enquiry Form and we will respond directly to you.
The best financial plan can be torn apart by your death, disability or unemployment or that of your spouse or partner. In creating a plan, we will look at what would happen financially and what money you and your family would need to cope.
Your lifestyle is only possible if you have the income to meet it. Loss of income due to unforeseen circumstances such as bereavement, long term illness or disability can be financially devastating for both you and your loved ones.
If you would like to speak to Johnston Financial about protecting your family, please contact us by phone or use our Enquiry Form and we will respond directly to you.
Each year HMRC publish data that shows the number of estates having to pay Inheritance Tax is increasing and that the amount of tax collected is increasing.
Fortunately, a lot can be done by using a planned Will strategy, trusts and the various tax allowances.
Johnston Financial can help you with deciding what your Will should instruct and can introduce you to a solicitor if you do not have one already.
If you would like to speak to Johnston Financial about estate planning, please contact us by phone or use our Enquiry Form and we will respond directly to you.
BENEFITS
Johnston Financial is your financial planning home. Whatever your financial planning or investment need Johnston Financial can help you to find the answer.
PEACE OF MIND-
A PLAN FOR LIFE’S UNCERTAINTIES
Helping you to achieve that Peace of Mind is what Johnston Financial is all about.
AN UNDERSTANDING
OF YOUR FINANCIAL SITUATION
As your partner in planning your financial future we will seek to build a complete understanding of your financial situation.
A ROADMAP TO ACHIEVING
YOUR FINANCIAL GOALS
At Johnston Financial we will help you create your roadmap, one that we will keep updated with you as time goes on, taking account of changes to your financial position, responsibilities and goals.
ADVICE FROM PLANNERS OF THE
HIGHEST PROFESSIONAL STANDARD
When you work with Johnston Financial, you are working with financial planners working at the highest levels of professional ability. Our advisers hold the Chartered Financial Planners certification and have decades of individual experience in their areas of responsibility.
