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Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.

Whatever your level of wealth, there is nothing wrong in deciding to prepare a risk aversion strategy. This is reasonable and prudent for anyone who is sure that they already have ample to provide for themselves and their family into the future.
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All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.

Adequate insurance is therefore not a luxury - it is an absolute necessity.

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If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.

There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans. Each type of equity release scheme facilitates a different method of releasing the equity in your home.

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Professional Financial Plan- ning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.

You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ...
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This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive in a very competitive marketplace. It may also be the case that a property may be underinsured, due to decoration, extension or the increase in house prices.

In addition to home insurance, we can also provide access to ...
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Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
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The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants ...
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Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you.
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When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large windfall, you need to provide yourself with a secure income for the rest of your life.

A well prepared pension plan which is regularly reviewed should go some way to providing this.
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When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.

Investing is what you do with the savings you have - if you are looking to generate a greater return on your money than is available to you through your savings instruments.
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Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances. An expert will be able to help you plan your taxes in advance ...
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Nicola Cameron has been Managing Director of Custom Wills Ltd since 2010, specialising in Will Writing, Lasting Power of Attorneys, Funeral Plans and Probate Support.

Nicola takes a taboo, complicated, lengthy process and makes it quick, easy, affordable and offers continued support to our clients and their loved ones for the inevitable.

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National Savings Products

The least risky of investment options are those offered by National Savings, which raises money on behalf of the UK Government.

While investment returns are not spectacular and some involve tying your money up for long periods of time they are nevertheless stable and in some cases can be paid tax free or paid without deduction of tax (although taxable), which is beneficial if you are a non taxpayer.

They include National Savings Bank accounts and various forms of savings and Income Bonds. These savings and investment products are backed by H.M. Treasury, which makes them the most secure cash products available in the UK.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE NATIONAL SAVINGS PRODUCTS.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.

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Areas of Expertise

- Wealth Management
  
  Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks. ...
  Read more
- Business Insurance
  
  All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate ... ...
  Read more
- Equity Release
  
  If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. There is a range of equity release schemes available on the market offered by ...
  Read more
- Financial Planning
  
  Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions ... ...
  Read more
- General Insurance
  
  This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive ... ...
  Read more
- Health Insurance
  
  Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family. ...
  Read more
- Life Assurance
  
  The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. ...
  Read more
- Mortgages
  
  Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored ... ...
  Read more
- Retirement Planning
  
  When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed ... ...
  Read more
- Savings & Investments
  
  When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments ... ...
  Read more
- Taxation
  
  Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances ...
  Read more
- Wealth Preservation
  
  Estate and Inheritance Tax Planning Estate Planning is often associated with inheritance tax mitigation. Whilst tax considerations are important, Estate Planning goes beyond this and is intended to preserve, protect ...
  Read more

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Aspire Independent Financial Planners LLP
Aspire House
17 Station Road
Finchley
London
N3 2SB
T: 020 8371 4411
F: 020 8371 4422
Email Us

Aspire Independent Financial Planners LLP is a Limited Liability Partnership and is authorised and regulated by the Financial Conduct Authority. Aspire Independent Financial Planners LLP is entered on the Financial Services Register (www.fca.org.uk/register) under reference 456867.

The FCA does not regulate Will Writing, National Savings products or some forms of Inheritance Tax Planning, Buy to Let Mortgages or Offshore Funds.

The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Complaints

If you wish to register a complaint, please contact us either in writing at: Aspire Independent Financial Planners LLP Aspire House, 17 Station Road, Finchley, London, N3 2SB or by phone 020 8371 4411.

A summary of our internal complaints handling procedures is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Registered address same as company address.
Registered in England under reference: OC317451.