Investment planning and asset allocation
Investment planning is the process of matching your financial goals and objectives, with your financial resources. Technology, ever increasing investment opportunities and stricter regulation continue to change. But has your investment strategy kept pace?
Financial protection for you and your family
Financial resilience is the ability to recover quickly from an unexpected financial shock. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes. Savings can and do help in the short-term. But what happens when they run out?
Investing for children
Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.
Business succession planning
If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.
The financial planning journey
Financial planning isn’t just reserved for the especially wealthy. Whether we’re aware of it or not, all of us are on a financial planning journey and nearly all of us will want to make the most of our money.
Pensions tax planning for high earners
If you are a high earner and feel you are paying more and more tax, you are not alone. More than one in seven income taxpayers are taxed at the higher or additional rate and they pay about two thirds of all income tax.
You and yours - estate planning
Estate planning is usually not a subject that attracts immediate attention. It requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate. Consequently, estate planning often becomes a do-it-tomorrow task. Then it could suddenly become all important… or it might be too late.
Investing tax efficiently
The way that investments are taxed has changed over recent years as successive governments have chosen to handle various sources of investment income in different ways.
Saving for retirement
Retirement is something most of us look forward to – particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different.
Taking income at retirement
There comes a time when you stop working for your money and put your money to work for you. For most people, that is at retirement.
Taxation of property
Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. Uncertainty in the housing market may reduce property prices whilst capital gains tax (CGT) changes may occur.
Making the most of ISAs
Individual Savings Accounts, universally known as ISAs, began life as relatively simple savings plans in 1999, but over the years the rules surrounding them have become ever more complex.
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After 45 years of working, worrying, scrimping and saving, I can give up work and never work again. I can't stop thinking about that. It seems like the day of reckoning has arrived!S, Goddard. Basingstoke
Sam has been so efficient in handling my requests for income and always ensures that I have everything I need and most importantly when I need it. This gives such reassurance that I am in safe hands and that my financial needs will be met. Thank you to Sam, Amanda and Amy for looking after me so well.C, Delahov
We have been with Beaufort Financial Reading since their inception and are very happy with them. They have managed our investments with excellent results yet the team remains friendly, professional and accessible. We are in very good hands.L & P Squire
Tony has been my financial adviser for well over a year. During that time he has tailored his services to my and my wife's personal needs as we near the end of our working lives. He has given us sound advice on Inheritance Tax, this was unprompted and came as a result of his research into our financial resources. When making additional investments, Tony always undertakes research and offers a selection of funds which can fulfil our current financial goals. His manner is always courteous and respectful and he listens carefully as one outlines their financial objectives. R, Steward
Very helpful and informative as always. Andy's insight into the financial and political world and how that affects my investments was interesting to hear. The meeting was well paced and un-rushed and gave me confidence in both Andy and Beaufort Financial Reading.P, Williams
I know you are aware of my love of organisation and how sometimes I can be quite demanding, but I wanted to say that both Sara and I have been very impressed with how Julie-Marie has not only implemented your strategy but how she has responded to our needs in a prompt, efficient and professional manner. She is a great part of the team!P, Barcham
Beaufort Financial and Tony Gardiner were recommended to us by our Accountant in order to provide Investment and other financial advice in late 2019. To date, we have been very pleased with the professionalism, dedication and quality of advice provided by Tony and the Beaufort team. K & J, Fox. Surrey