Broadlands Partnership

Financial advice

Investments and Savings

With a focus on comprehensive financial planning, Broadlands Partnership can provide advice on a whole range of saving and investment opportunities. Our aim is to ensure that your investments put you on the path to achieving your goals.

Among other areas, we have expertise in the following sectors:

  • Saving Accounts
  • Structured Products
  • National Savings & Investments
  • Exchange Traded Funds
  • ISAs
  • Futures and Options
  • Unit Trusts and OEICs
  • Hedge Funds and Fund-of-Funds
  • Onshore and Offshore Bonds
  • Enterprise Investment Schemes
  • With-profit investments
  • Venture Capital Trusts
  • Investment Trusts
  • Real Estate Investment Trusts (REITs)

To assist clients in managing their investments, we can recommend online investment platforms (or 'wraps') to help consolidate all investment holdings, including ISAs, pensions and share portfolios, all in one convenient place. This is a fast growing market and we have particular expertise in the latest developments. Wraps can generate considerable cost savings over traditional channels due to the additional purchasing power they provide.

Remember, the value of investments or income from wraps may go down as well as up as the levels and bases of, and reliefs from, taxation are subject to change. UK legislation and regulations and the UK tax regime are amended from time to time and therefore any content on this site referring to such legislation, regulations or tax regimes was accurate on date of publication, but should not be totally relied upon.

Financial Protection

Financial protection is often overlooked, and yet it is an important part of providing financial security to you and your family in the event of something unexpected happening.

There are a number of questions that you might want to ask yourself:

  • What will happen to my family if I (or my partner) were to die unexpectedly? Would the surviving spouse and our children have enough to live on? Would the mortgage be repaid?
  • What will happen to me and my family if I or my partner were to be diagnosed with a critical illness (e.g. cancer, heart failure, etc.)? Would a tax-free cash lump sum help lessen the blow?
  • What would happen to me and my family if my partner or I were unable to work for a prolonged period through illness or accident? Would my salary cease in such a situation?
  • Would I be able to afford private medical expenses if I were to need to go into hospital?
  • What would happen if I were made redundant?

Broadlands Partnership can advise on all aspects of financial protection, including:

  • Group Protection as part of an employee benefit package (including Death-in-Service cover, Group Critical Illness, Group Income Protection and Group Private Medical Insurance)
  • Term Assurance
  • Critical Illness
  • Income Protection
  • Endowments
  • Whole of Life cover
  • Accident, Illness & Unemployment Insurance
  • Private Medical Insurance (including comprehensive policies such as cover of maternity costs)
  • Director/Partner Business Protection
  • Key Man Insurance

Furthermore, Broadlands Partnership can advise on using life assurance products to mitigate inheritance tax as part of estate planning.

Estate planning

Broadlands Partnership can advise clients on how best to protect their estate on death, including preparing for the associated costs but also the mitigation of inheritance tax liabilities via:

  • Discounted Gift Trusts
  • Loan Trusts
  • Spousal Bypass Trusts
  • Whole-of-life assurance policies
  • Gift Inter Vivos Insurance
  • Business Property Relief

Provision of Wills and Estate Planning

We have a number of experts in this important field that can help clients with Will Writing , and Estate Planning. In order to deliver this, Broadlands Partnership work in association with Countrywide Tax & Trust Corporation Ltd whose Directors are full STEP members and adhere to the STEP Will Writing Code.