What we do is simple. We plan and manage rewarding financial lives for our clients. Whatever you want to do with your life, Amber helps you plan your way forward and choose the best steps to take to protect and grow your investments.
We all know the importance of planning in everyday life. We do it daily from the supermarket shopping list to an important meeting at work, but often most avoid planning when it comes to personal finances.
Financial Planning is a tailored ongoing process to enable you make sensible financial decisions to maintain a future lifestyle through life and retirement whilst completing life’s objectives.
There are many ways to plan:
Real cash flow management involves understanding the components that make up where your money comes from, where it goes, and what choices are appropriate in creating a life of greater satisfaction. We use powerful computer software to project future scenarios based on your circumstances to see how your retirement might play out under various changing circumstances.
Savings & Investment Planning
Whilst many understand opening a savings account or a cash ISA at the bank, investing in equities and bonds is a daunting prospect. ‘I don’t know how or what to invest in’ would be a common story that we here. We help you determine how to invest current assets and future savings based on financial goals, attitude towards risk, and your current and future financial position.
Pension And Retirement Planning
Pensions needn’t be a minefield if you plan and take advice. The new government legislation changes have shaken up the Pension world, with individuals given freedom to access their pension benefits as and when they want. But with this comes responsibility and Amber can advise you on how and when your Pensions should be accessed, as well as how to structure your withdrawals in a tax efficient manner whilst meeting your objectives.
Tax planning involves implementing strategies so that an individual can minimise the amount of taxes paid for a given period. Tax is usually a dreaded word, a term denoted by frustration or even anger with many claiming they ‘pay too much’ It is easy to be misunderstood, given there are so many types of taxes, but why not take advice and ensure that you pay a fair amount but not more than necessary?
Estate/Inheritance Tax Planning
The phrase “estate plan” sounds like a complicated set of material that only very wealthy people need, but if you have any assets whatsoever, you have an estate. We can demonstrate how to eliminate uncertainties and maximize the value of an estate by reducing taxes and other expenses.
Are you over or under insured? How do you know what level of protection is required? Here at Amber, we can help you understand the important questions that need to be answered and ascertain the type of policy and level of cover you and your family would need to maintain the current and future lifestyles should injury, illness or even worse occur.
Mortgage & Equity Release
Buying a property is probably the largest financial transaction and commitment you are likely to undertake. The interest paid over a 20 or 25 year term mortgage can be considerable, as can the stresses and strains of moving house, so seek independent mortgage advice with Amber Wealth to get the best deal possible.
Will you have enough? How much is enough? No one can have a proper plan for retirement without answering these two questions. The sooner you start your financial planning, and have a plan to get there, the more likely you will get to where you want to go and live the life you want.