Bonus sacrifice – how to save tax
February 2021
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Professionals
Independent financial advisor for working professionals
As a busy professional, it can be difficult to find the time to give your finances the attention they deserve. That’s where we come in, we provide professional management of your finances, freeing you up to do what you do best.
As independent financial advisers, we provide a wide range of services, including asset protection, tax planning and investment management. We can also help you plan for significant life events, such as buying a new house or planning for retirement.
Planning for what you need
Our experts offer a complimentary financial health check that works out where you are now and where you want to be. If you decide that we’re right for you, we will create a plan that makes the most of your finances, both now and in the future.
We will meet with you regularly to fine-tune your plan as you go. Allowing you to adapt to any changes or challenges that may arise. Ensuring you meet your end goal no matter what.
Start your financial journey with Frazer James – Schedule a call with our experts today.
Are we the right financial advisor for you?
Are you open-minded? Are you looking to build a long-term relationship with a financial planner? If you’ve answered yes to both those questions, we’re off to a good start.
We work best with clients who value having a financial planner by their side, helping them to navigate life’s challenges and making the most of their finances.
Chances are, you’re already doing well financially. You spend less than you earn and are building up savings. However, with a few tweaks, you could be doing even better. Partnering with a financial planner could be the difference between good and great.
We only work with clients where we can add significant value to their unique financial situation. If you have a one-off problem or you require DIY financial advice, we’re probably not the right fit for you.
Our Fees
We only work with clients we can add significantly more value than it costs to work together. Our fee should be a fantastic investment for every client. To build your financial plan, we charge a fixed flat fee.
The exact price will depend on how complex your finances are and how much advice you require.
Additional ways we can help you on your financial journey
Staying on top of your pensions isn’t easy, particularly if there are lots of them.
There is a danger that forgotten plans will be invested in poorly performing funds. Large amounts of paperwork alone can be enough to put you off looking any further.
Working with a financial advisor takes the hard work out of pension planning. If you’re planning on accessing your hard-earned pension savings in the next few years, you don’t want underperforming pension pots slowing you down.
Pension Review
Our pension review service helps you make sense of your pensions. It will look at:
✓ How much you’re paying in charges
✓ What your retirement options are
✓ How tax-efficient your pensions are
✓ How your pensions are performing
✓ Whether there are any unique guarantees
When the review is complete, we will let you know if your pensions are working well or whether some adjustments are required.
If it makes sense to do so, we’ll suggest bringing them together. Consolidating your pensions can save you time, hassle and money by making them easier to review and manage.
We’ll get you financially organised so that managing your pensions on an ongoing basis is simple and easy.
Ready to take control of your pensions? Book Your Pension Review Today
There are two outcomes in retirement. Either you outlast your money, or your money outlasts you.
As expert retirement planners, we work together to answer your biggest questions; things like, ‘do I have enough to retire?’, ‘will I run out of money?’ and ‘can I retire early?’
Research shows that 8 out of 10 people benefit from shopping around when it comes to retirement planning*. By working with a financial advisor, you could boost your income by up to 42%. **
Retirement Planning Service
Planning for retirement is likely to be the most significant financial decision you will ever make. At this critical point, working with a professional financial advisor can make all the difference.
As expert retirement planners, we can help you understand:
✓ Retirement Options – what your retirement options are
✓ Retirement Age – when you can afford to stop working
✓ Retirement Income – how much income you’ll receive
We will provide you with your retirement plan, giving you clarity and confidence about your future. We will regularly meet with you to review your plan and ensure you are on the right track to progress.
Complimentary Retirement Review
We offer a complimentary retirement planning review to our prospective clients. It provides you with a high-level retirement summary, identifying:
✓ Retirement Savings – how much you need to save for retirement
✓ Retirement Date – when you can afford to stop working
✓ Retirement Income – how much you can spend in retirement
Are you ready to retire?
Let us help you on your journey to retirement – Book Your Retirement Review.
* Financial Conduct Authority. thematic review of Annuities, February 2014.
** Representative example of a 60-year-old male living in Doncaster with multiple health conditions.
Common questions
- When can I retire?
- Can I retire early?
- How should I invest my money?
- How to make the most of my workplace pension?
- How do I make the most of my employee benefits?
- How can I reduce the amount of tax I pay?
- What should I do with my bonus?
- How much should I be putting into my pension?
- What is a good pension pot?
- How to avoid the 60% tax trap?
- How can I get round the pension tapered annual allowance?
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Are you looking to partner with an award-winning independent financial adviser? Make smarter decisions with your finances - book a call with an expert today.