E kns@thinkpositive.co.uk

T 01539 740987

The KNS Financial Planning range of services

The value of pension and investments can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

The Financial Conduct Authority does not regulate on estate planning and tax planning.

EIS’s and VCT’s are higher risk investments and should only be entered into by experienced investors.

The FCA do not regulate long term care planning, auto enrolment and buy to let mortgages.

Tax treatment varies according to individual circumstances and is subject to change.

Investments

KNS Financial Planning advises on a wide range of stockmarket investments that include shares, unit trusts and other collective schemes that can diversify risk across market sectors and geographically. Rising income and growth are the aims but not guaranteed.

Mortgages

Our advisers can help find competitive fixed, variable and capped rate and tracker mortgages, also buy-to- let and commercial property finance. Help to Buy and other Government schemes aid mortgage accessibility for first-time buyers and others.

Protection

Serious illness or untimely death could leave your family with even more worries if your mortgage or other financial commitments are not covered by critical illness, income protection or life insurance. Think also about private health cover.

Pensions

Changes to pension rules, auto-enrolment and the State Pension make it vital to plan retirement carefully, from as early in your working life as possible. Our pension specialists can advise at all stages of your working life and in the later years.

Tax Planning

Individual Savings Accounts and various annual allowances exist to be used and are perfectly proper and legal arrangements. Extra ISA types have been added by the Chancellor and may complement the tax-efficiency of pension plans.

Venture Capital Trusts and Enterprise Investment Schemes

VCT/EIS invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Inheritance tax planning

If you wish to hand wealth down to new generations, certain allowances enable this and may reduce any eventual IHT on your estate; From April 2017, estates have benefited from an additional residential nil-rate band (RNRB). Life cover held in trust may help to pay an IHT bill.

Long-term care

Care home fees have been rising rapidly and a proposed government cap on anyone’s lifetime care costs has been postponed for several years at least. There are products that help you to maintain choice and prevent all your money going in fees.

For more information Contact Us or view our Newsletter.   The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.