Our associated company, Jeffreys Henry Financial Services Limited is a highly successful, Independent Financial Adviser (IFA) practice based in Central London. We offer a comprehensive service, including complete financial planning and advisory service to clients of all sizes and complexities in both the individual and corporate markets.

For further information, please call us on 020 8371 5244 or contact us via email at advice@jeffreyshenryfinancial.co.uk

MORTGAGES

With upwards of 150 independent lenders in the UK marketplace and more providers and products than ever before, the mortgage landscape is a complex one. As buying a property may be the most substantial single purchase you will ever make, it’s essential to choose the right mortgage provider and product type for your circumstances.

Our experienced advisors will assist you with expert, informed guidance on all aspects of the mortgage process. We will:

  • Determine the mortgage type and features that best suit your requirements, potentially saving you thousands of pounds
  • Offer independent advice for residential, commercial, non-standard, guarantor, overseas, buy to let and foreign currency mortgages
  • Source the most effective market deals and competitive rates
  • Arrange a trouble-free re-mortgage if you need additional capital or to save money
  • Provide a full assistance in adverse circumstances – e.g. if you have experienced financial problems, been turned down by a lender or are unable to provide full income details

Whether you are looking to buy a property, reduce your monthly repayments or raise additional capital, we can help you make an informed decision.

INVESTMENT STRATEGY & SAVINGS

Planning ahead is the key to ensuring financial security for you and your family. The earlier you decide to save, the better chance you have of achieving your financial goals.

Our advisors are highly skilled in providing expert advice on all forms of savings and investment products. We will identify the best type of savings and investment vehicles for you and your family, with options including:

  •  Unit Trusts
  •  Investment Trusts
  •  NISAs
  •  Investment Bonds (Onshore)
  •  Offshore Investment/Bonds
  •  Private Portfolio Management
  •  Investments for Children and Grandchildren

With our guidance, you will learn how to prioritise financial planning and ensure that you always have money set aside in case of emergency. Whether you wish to save up for a specific purpose (wedding, holiday, university fees) or simply to adopt wise savings habits to secure the future of you and your dependents, our experts will help you to achieve your financial ambitions.

PENSIONS & RETIREMENT PLANNING

Intelligent pension planning will help you to live the retirement you want and deserve. With retirement often lasting 25 years or more, it is vital to be prepared and build up a retirement income that provides the standard of living you require in the long term.

Pensions are a tax-efficient savings vehicle designed to provide a regular income in retirement – when you choose the right plan, the benefits can be immeasurable.

THE STATE PENSION

If you are working and paying National Insurance contributions, you will be eligible for a basic State Pension. You may also have an additional pension with the State Second Pension (S2P) but many people find that state pensions are insufficient to accommodate the standard of living they require.

If your employer offers a pension scheme, this provides a good additional source of income, although we would advise undertaking regular reviews with an expert professional to ensure your funds stay on track to meet your retirement goals.

For those who have to make their own provision, we recommend seeking professional advice to discover the most beneficial options.

With our expertise, we can help you consider the costs of retirement and assess your position before it is too late to make a difference. Our expert pension specialists will:

  • Determine the level of pension your current arrangements could provide
  • Offer recommendations on how to best meet your expectations
  • Provide access to a range of pension contracts available in the open market and the best deals
  • Recommend pension contracts that are the most suitable for you, depending on your current situation
  • Review the contribution level, investment performance and overall performance of any existing pension plans you
  • might have and make suggestions for improvement
  • Consider your history and any preserved pension benefits you might have to make an informed decision about the best pensions route for you to take

TAX & ESTATE PLANNING

Many people pay too much tax, either out of misunderstanding or poor planning and this is where sound financial planning can help.

TAX BASICS

  • Taxes can be levied directly (e.g. income tax) or indirectly (e.g. VAT on goods and services
  • Your UK tax liability depends on your residence and domicile
  • You will be deemed a UK resident if you are in the UK for 183 days in any one tax year

OUR TOP SAVING TAX TIPS

It is important to identify ways to save tax to ensure that your financial affairs are run in a tax-efficient manner. Here are some of our top tax saving tips:

  • Move assets into investments that are exempt from Capital Gains Tax
  • Time the disposal of assets to spread over two ta years, wherever possible
  • Carefully select assets to sell to minimise tax or generate tax-free income
  • Non-tax payers to invest in products that do not deduct tax, or where tax is reclaimable
  • Receive income from investments owned by the partner with the lowest tax band
  • Make effective use of any tax breaks and gross-paying, tax-free investments (higher band taxpayers only)

Jeffreys Henry Financial Services is an appointed representative of Vintage Wealth Management Limited, which is authorised and regulated by the Financial Conduct Authority. FCA number: 593380.

INTRODUCTORY MEETING

CONTACT US TO ARRANGE AN INTRODUCTORY MEETING, OR FOR A QUOTE.

Telephone us on

020 8371 5244 to speak with Robert Stein, Phil Koster, or Kalp Shah.


Or Contact Jeffreys Henry on

020 3870 4620 to arrange a free financial review.