Our Areas of Advice
Helping you to plan for your future with a tailored investment plan
- Establish your investment goals.
- Identify the right level of risk for you, balancing potential returns with your risk tolerance and investment horizon.
- Create your tailored investment plan.
- Review your plans as your circumstances change, adapting your investment strategy in response to evolving financial goals, market conditions, and life events, ensuring that your investment portfolio remains aligned with your changing needs and objectives over time.
Whether you’re starting out on your investment journey, adapting to changing circumstances or thinking about utilising the wealth you’ve accumulated, Morton Miller WM can help.
When it comes to planning for you and your family’s financial future, how you choose to invest will depend entirely on your personal circumstances and what you want to achieve.
We will work with you to create a suitable investment plan that balances your key requirements with your attitude to risk, accounting for your current and potential tax position. We will also develop the best investment management plan for you, to help ensure that your money is working as hard as possible to help you achieve your goals.
The value of investments may go down as well as up and you may get back less than you invest.
An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.
The favourable tax treatment of ISAs may be subject to changes in legislation in the future.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
Providing you with a personally tailored financial plan so you can achieve the lifestyle you deserve.
Providing you with a personally tailored financial plan so you can achieve the lifestyle you deserve.
- Work out what your retirement could look like and calculate how much you’ll need to fund your goals.
- Consolidate historic pension pots to increase control and improve the overall performance.
- Build a flexible plan around your specific needs to maximise your retirement income and minimises fees to allow you to transition into retirement.
- Regularly review your retirement plan to make sure it still works for your personal circumstances and that it remains tax efficient, even after you retire.
- Provide clear, understandable explanations to cut through the industry jargon.
Planning now gives you the power of choice later. Retiring is different to all of us and we're here to help you develop your own future.
Whatever you want your retirement to look like, the key is to plan ahead. Many people approach retirement with little or no idea of how much money they will need or the best way to take an income. The sooner you put your plan in place, the more likely you are to achieve the retirement you hope for.
Seeking professional financial advice could help you to make the most of your assets, giving you an overview of your finances and in turn a better idea of how much you can expect to receive at retirement, in line with your goals and objectives.
A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.
A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.
Advice on auto enrolment pensions is not regulated by the financial conduct authority.
Modelling a plan for your future finances.
- One of the most important parts of financial planning is making sure you have enough money on both a short term and long term basis.
- We can provide clear lifetime cashflow modelling to show the sustainability of your assets when accounting for your retirement expenditure.
- Your future can change so we can model to show a variety of scenarios.
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow advice.
Helping protect the financial future of your loved ones.
- Understand and manage your tax obligations, giving you peace of mind that your financial affairs are in order.
- Safeguard the financial stability of your loved ones, providing you with reassurance about their financial stability in the event of your incapacity or death.
- Create a long-term care plan to provide for your future needs.
- Put a comprehensive will in place that reflects your wishes.
- Arrange Lasting Powers of Attorney to make sure your interests are protected in the event of you being unable to make your own decisions.
The Financial Conduct Authority does not regulate some aspects of Estate Planning
- Utilising available tax allowances and exemptions
- Taking insurance to cover your bill
- Reducing your estate by making tax-free gifts
- Spending your money
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of estate or tax planning advice.
Helping you plan for the unexpected.
- Repay a mortgage (or other debts) in the event of death or critical illness.
- Maintain your current standard of living if you were unable to work for a prolonged period of time.
- Protect your family financially in the event of death (or the death of a partner).
- Secure your business against the risk of losing a key member of staff.
Financial protection planning can bring peace of mind in the event of the unexpected happening, meaning you and your family can remain financially stable and maintain your current standard of living.
We will get to know your personal circumstances and work with you to identify your potential risks. We can then provide you with independent financial insurance advice and source products tailored to you and your family.
Cover will cease on insurance products if premium payments are not maintained.
Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.