Welcome to Welby & Associates Chartered Financial Planners with over 15 years experience in financial services. Our aim is to treat your interests as though they were our own.
Retirement planning involves thinking about your plans for the future now – that means investing your money with the aim of maximising its value for when you retire. Although the Government will provide everyone who qualifies with a small state pension, it’s important to invest as much money as you can into a retirement fund while you’re working if you want to ensure you can enjoy a comfortable retirement.
Taxation can be a complicated area of personal finance, so it can be easy to miss out on opportunities to reduce the amount of tax you pay if you don’t take tax advice. You should also make sure you understand how taxes like capital gains tax and inheritance tax could have an impact on you. Getting financial advice to help you plan ahead could help you to manage your finances in a more tax-efficient way.
Whether you’re just starting out as a first time buyer, or you’ve been on the property ladder for a while, a mortgage is a big financial commitment. With the amount of money involved, making sure you choose the right mortgage for your own personal circumstances is very important, as is getting professional advice to help you with the process.