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Financial Planning

MMR Financial Consultants Ltd (MMRFC) was established by Macilvin Moore Reveres LLP to meet the needs of our clients in all aspects of personal and corporate financial planning. As an independent business MMRFC also advises a number of private clients from outside the practice who have come to us via introductions from our clients.

Andrew Pulford our financial adviser has joined the company as a senior financial consultant. He has worked for 27 years in financial services mostly in privately operated businesses and mainly as Principal or Partner.

Andy has an in-depth knowledge as an Independent Financial Adviser of relevant planning issues. He has wide experience in small to medium size corporate financial planning as well as investment, and inheritance tax advice for business owners and private clients.

His independence ensures that we are able to give you the best advice for your particular circumstances.

By taking time to get a good understanding of an individual's plans and ambitions he is able to provide a proactive, holistic and tailored service normally only associated as being available to large corporations. This might for example include a lifetime cash flow to see if you have enough money to do the things you want to do later in life. An example cash flow might look like this.

Andy is able to meet with you either at our offices or a location to suit you. With the financial services industry changing rapidly it is in your interest to seek an independent service and Andy has access to a variety of planning tools to best suit your needs.

A brief synopsis of issues to consider are:

Investments
Is your money working hard enough for you? Is it in tax efficient vehicles that are available to you? Are you concerned about risks involved in investing money, as you can invest in more cautious approach funds if it suits your attitude?

Pensions
If you have a pension fund with high charges or poorly invested you may be losing out on your projected retirement fund. You may be much better off by reviewing your current pension schemes, please seek our advice.

If you have no pension or are underfunded, then you need to consider tax efficient methods of saving for retirement, be it personally or through your business as a tax efficient expense.

Pensions simplification and further recent changes have changed the pensions landscape dramatically so is now worthwhile finding out what is available to you. You may be aware that you are able to now have more control over your funds within a SIPP which could include commercial property, shares, cash and bonds.

Protection
If you have a family or a property or a business, are concerned about what happens to your loved ones in the event of your death, then you should talk to us. We can also help you with planning for critical illness, long term illness or providing private health care. We can also look into more complicated issues for business such as partnership protection, director share protection and debt protection, all in the event of illness or death.

Mortgages
Whether moving home or just looking for a better deal we can introduce you to a whole of market adviser who will make sure that you get the best mortgage for your needs.

Inheritance Tax Planning
The average property price alone pushes most people above the £325,000 allowance (nil rate band) for inheritance tax, which has to be paid at 40% above the nil rate band. Recent changes now mean that this allowance can now be transferred to a spouse on death leaving the survivor with an allowance of £650,000. Even this may be insufficient given the values of property in the South of England, particularly when added to other investment assets. It is highly recommended that you plan early, as your hard earned savings and assets may be eroded substantially for your family.

School fees planning
Want to send the children to private school or university? Then you should start planning now. It is possible to reduce the overall cost by planning early and investing wisely.

Long term care planning
As an ever ageing population we are finding our estates seriously eroded by the actual cost for long term care and retirement homes. It is possible to plan for this costly situation that many families find their loved ones in.

Non-regulated products
With the financial services industry changing rapidly we have access to innovative products designed to enhance tax allowances available to high net worth individuals and we can offer advice on VCT's, EIS, film partnership schemes and other tax efficient individual schemes.

MMR Financial Consultants Ltd is an appointed representative of ValidPath Ltd which is authorised and regulated by the Financial Services Authority.

Require more information?

If you would like more information or would like to ask us a question then call us on 020 8863 1234. To ask us a question online click here.