Independent Financial Advisor in Cardiff

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About us

Advantage IFA Ltd was established in Cardiff by Craig Payne in March 2010. Although relatively young in comparison to some of our older competitors we see this as a strength. It allows us to adopt a fresh, common sense based approach to looking after our clients that centres upon the principles of service and trust.

Who are our Clients?

Our clients are the most important part of our business. We recognise that we would be nothing without you so we make it our sole aim to provide you with a service that exceeds your expectations and makes you want to keep coming back.

Our clients are UK based and tend to live or work in the South West of the UK or London. We provide advice to individuals and businesses. Typically the individuals who entrust us to look after them are higher rate tax payers, those who wish prepare for retirement or those concerned about their legacy and the impact of Inheritance Tax on their estate.

What can we do for you?

The type of service we provide is driven by you, the client. You may already have an idea of what you’d like to achieve but want to ensure you go about it in the most effective manner. Alternatively you may find yourself in a position where you haven’t had time to review your finances for some years and now want to sit down with a professional to check you are still doing the right things.

Whatever the scenario, we’ll listen to what you tell us and discuss your priorities with you before providing a strategy, which is clear and concise so you can evaluate the pros and cons of any potential actions.

Although not exhaustive this list provides an idea of the areas in which we specialise.

Retirement Planning:-

• Planning an overall strategy so you have a realistic expectation of when you can retire and what you’ll get when you do.
• Reviewing your existing policies to ensure they are fit for purpose.
• Explaining your options and what to do when you reach retirement.
• Exploring alternative ways to prepare for retirement.
• If your business is your pension, how to get your money out tax efficiently so you can retire.
• Help for businesses to ensure you meet the requirements placed upon you by legislation and reviewing your existing arrangements to make sure you’re getting the best deal for you and your employees.

Savings & Investments:-

• Building an investment portfolio that gives you confidence and works within your set parameters for risk and reward.
• Reviewing your existing investments against a benchmark.
• Making use of your annual tax allowances and explaining others you may be less familiar with.
• Planning in advance for a specific goal to reduce the impact on your finances, an example would be planning around university and / or private education fees so that it can be affordable for your children.

Estate Planning:-

• Explaining the current rules within the context of your circumstances so you know where you stand.
• Discussing your priorities and the available options so you can choose the timing and degree of control that matches your goals.
• Reducing your Inheritance Tax liability through appropriate Trust planning or the considered use of the alternatives to Trusts.
• Providing confidence gained from the certainty of knowing you’ve considered every effective option and have chosen that which best suits your needs.

Protection:-

• Helping you work out what you’ve already got in place so you can consider whether it is in line with what you and your loved ones will need.
• Give you the confidence to know that you can protect the family’s home, the children’s educational needs and any other priorities you may have.
• Planning for partnerships and limited companies, to make sure loved ones receive a fair share of the deceased’s business value while the remaining partners / directors can secure the future ownership of the business.

What to do next?

If you would like to see if we could work together then please get in touch with Craig Payne on 07789 433938 or via email using craigpayne@advantageifa.co.uk. There is no fee for an initial meeting.

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