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  Pensions
  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 inheritance or windfall, then 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 you with a reasonable level of income in your retirement.
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- Savings & Investments
  Introduction to Savings & Investments
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  Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.
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- Wealth Management
  Introduction to Wealth Management
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  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. Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample assets to provide for themselves and their family into the future.
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- Financial Planning
  Introduction to Financial Planning
  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 about your financial future, in the short, medium and long term. You will almost certainly have goals of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but these have financial implications and leaving it to chance isn't an option. Careful planning helps to turn you
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- Protection
  Why Protection is Important
  Life Assurance
  Family Income Benefit
  Income Protection
  Private Medical Insurance
  Critical Illness
  Protection
  There are events we can all face that have the potential to wreck lives and families. It’s a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you – we hope it doesn’t – but it might. While there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available, should something unexpected happen.
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- Business Protection
  Introduction to Business Protection
  Key Person
  Share Protection
  Directors' & Staff Benefits
  Income Protection
  Relevant Life Cover
  Employers' Liability
  Professional Indemnity
  Business Protection
  Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk. With that in mind we can help you take the right steps to protect your people and your business. After all, you already protect many of the important things that keep your business running smoothly, like property, fleets and stock. So you should also insure your most valuable assets: your staff and shareholders.
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- Mortgages
  Introduction to Mortgages
  Mortgage Repayment
  First Time Buyer
  Remortgaging
  Standard Variable Rate Mortgages
  Fixed Rate Mortgages
  Tracker Mortgages
  Cashback Mortgages
  Offset Mortgages
  Second Charge Mortgages
  Buy-to-let
  Self Build Mortgages
  Mortgages
  Mortgages are loans which are intended to help buyers purchase residential property. When you take out a loan, the lender charges interest: the same is true of a mortgage. A mortgage is a ‘secured’ loan, which means that the loan is secured against the property being purchased until the mortgage is paid off. Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions.
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- Taxation
  Introduction to Taxation
  Income Tax
  Capital Gains Tax
  Inheritance Tax
  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 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.
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Between the lines - September 2023

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Essentially Wealth Q3 - 2023

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Office - Quilter Financial Advisers, Hetherington House, Miller Park, Station Road, Wigton, Cumbria, CA7 9BA

Telephone - 016973 25852
Email - [email protected]

Quilter Financial Advisers is a trading style of Lighthouse Financial Advice Limited which is an appointed representative of Lighthouse Advisory Services Limited.

Lighthouse Financial Advice Limited is a wholly owned subsidiary of Quilter Financial Planning Limited, which is part of the Quilter Group of Companies.

Lighthouse Financial Advice Ltd: Registered in England & Wales, no. 04795080. Registered Address: Senator House, 85 Queen Victoria Street, London, United Kingdom, EC4V 4AB.

The guidance and/or information contained within this site is subject to UK regulatory regime and is targeted at clients in the UK.

Approver Quilter Financial Services Ltd & Quilter Mortgage Planning Ltd 09/12/2022.