Individual Pension Planning

Moss & Roberts regularly provide pension advice for the self employed, employees and Directors of companies. This includes enhancing pension benefits and funding early retirement. We also review pension benefits from previous employment's to establish whether transferring benefits could be advantageous.

With the introduction of Stakeholder pensions in April 2001, many employees can take advantage of low charges, even if they are already members of Company Pension Schemes. The self employed can also effect Stakeholder and for the first time, people who are not working can too, including children of all ages! Moss & Roberts can advise on eligibility and suitability of a Stakeholder pension for you!

Capital Investment

Moss & Roberts offer advice on a wide range of of investment options, taking into account tax efficiency plus risk and reward for all investment terms. We consider many different plans ranging from Deposit Accounts, National Savings, Cash Individual Savings Accounts (ISA's), Tax Exempt Special Savings Accounts (TESSA's) and With Profit Bonds through to Stocks & Shares ISAs, Unit Linked Capital Investment Bonds, Guarantee Income Bonds and Unit Trusts. We take into account growth and/or income requirements in all circumstances

Regular Savings

Moss & Roberts provide advice on tax efficient savings and also advice on the various forms of school fee planning and savings for future college/ university fees.

We consider a wide range of plans including Deposit Accounts, National Savings, Endowment savings plans, Friendly Society Endowments, Maximum Investment Plans, Individual Savings Accounts (ISA's), Unit Trusts and Investment Trusts, balancing risk and reward along with the required investment term.

Family Protection

A number of employee's have Death in Service cover provided by their employers and often this provides valuable protection. However, the financial implications of the death of their spouse or partner are often underestimated and we regularly review this as an overall part of 'family protection'.

The self employed do not have access to company scheme's and protection is also an important part of financial planning for them.

Moss & Roberts can also examine some of the newer types of protection plan in the market place such as Critical Illness and diseases. Also we can advise on income replacement plans for those with limited or no income in the event of long term illness and advise on temporary protection plans such as Accident, Sickness and Unemployment plans which are typically offered by lenders to protect a borrower's mortgage payments.

More Specialist Areas

Pension Taxation - Moss & Roberts review and advise on exposure to capital gains tax and income tax. - refer also to taxation on Offshore Financial Planning covered in this site.

Inheritance Tax Planning - for those with estates in excess of the nil band not wishing to leave an Inheritance Tax Bill on death.

Long Term Care Planning - for asset protection, particularly when elderly relatives are concerned about losing their capital and homes in the event of ever requiring care.

Will Writing - Moss & Roberts offer a specialised will writing service through

Heritage Legal and Financial Ltd
Boundary House
225 Yarmouth Road
Norwich
NR7 0SW
Tel: 01603 430092
email: admin@heritagewills.co.uk
web: www.heritagewills.co.uk
(Please ensure you mention Moss & Roberts when contacting them!)