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We are all too aware that circumstances alter along with priorities as we move through our lives, presenting challenges, opportunities and changes. 

Knowing your Financial Consultant is here to help with recommendations and advice across an extensive range of financial areas who can create and provide solutions gives our clients the reassurance they require.

Wealth Management

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Business Consultancy

Pension Planning

Mortgages

Post Retirement Planning

Personal Protection

Estate & Inheritance, Legacy, Creation

The value of pensions and investments and the income they produce can fall as well as rise. You can get back less than you invested.

Your home is at risk if you do not keep up the repayments on your mortgage

The Financial Conduct Authority does not regulate Tax Planning, Estate Planning, Employee Benefits and Trust Advice.

Wealth Management

  • Reviews of Existing Investments
  • Individual Savings Account
  • Unit Trusts
  • Investment Bonds
  • Lump Sum Investments and Regular Contributions

Managing your wealth will help to ensure that your investments and assets are positioned well with an aim to provide growth whilst considering your personal acceptance to risk. This has become an ever increasing and complex area in which we look to simplify the options available to you with regard to your objectives.

This will also focus strongly on mitigating tax with solutions that encompass tax efficient solutions.

Open Ended Investment Companies

Enterprise Investment Schemes

Venture Capital Trusts

Offshore Investment

Venture Capital Trusts and Enterprise Investment Schemes invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. 

The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits. 

Tax treatment varies according to individual circumstances and is subject to change.

Business Consultancy

Shareholder/Partnership Protection

Key Person Assurance

Corporate Retirement Planning

Company Investments

Those of you running your own business will know how rewarding this can be both financially and personally. However, the everyday stresses can sometimes cause us to spend vast amounts of time working in the business rather than on it. We can deliver the help and advice to guide you through the financial strategies to ensure you remain successful.

Our Financial Consultants can advise you through areas that you may not have even considered:

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The Financial Conduct Authority does not regulate Business Consultancy or tax advice

The value of investments can fall as well as rise and you might get back less than invested.

Company Legacy and Cross Option Agreements

Employee Incentive Schemes

Corporation Tax Mitigation Solutions

Pension Planning

  • Personal and Occupational Pension Reviews
  • Stakeholder Pension Plans
  • Personal Pension Plans
  • Self-Invested Pension Plans

This is an area many believe they can leave until later but planning for your retirement can never start too early. Indeed, many of our clients are now planning ahead for their Grand-children as paying in to a pension is one of the most tax efficient ways of saving for retirement for many of us.

Our consultants are able to offer advice across a range of pension planning options and consider your individual circumstances in order to offer a variety of solutions to ensure you reach your goals.

The value of pensions can fall as well as rise and you might get back less than invested

  • Employer and Employee Contributions
  • Lump Sum Investments and Regular Contributions
  • Guaranteed Pensions

Post Retirement Planning

  • Guaranteed Annuities
  • With-Profit Annuities
  • Unitised Annuities
  • Enhanced Life Annuities

At retirement you will be called upon to make important decisions on how best to utilise the savings and capital you have accumulated in order to provide for the retirement you desire. 

Our consultants can take your through the wide variety of options that you should consider and provide you with a solution that fits your objectives.

Having worked so hard to accumulate these funds it’s now time to ensure they now work hard for you. Advice here is key.

The value of pensions and drawdown income can fall as well as rise and you might get back less than invested.

  • Impaired Life Annuities
  • Income Drawdown
  • Pension Commencement Lump Sum options

Personal Protection

  • Life Assurance
  • Critical Illness Cover
  • Income Protection Insurance

Ensuring you have adequate protection is the foundation for creating financial security in the event of unforeseen circumstances for both you and your family. Understanding where you are financially vulnerable in the event of unexpected changes, then choosing the most appropriate protection plan is an important decision that can be complicated.

Our financial consultants appreciate the importance of making sure you understand the options available to you. We will carefully review your personal and financial circumstances and provide a detailed explanation of their recommendation that will be based on all your personal requirements.

  • Accident Sickness and Unemployment Cover
  • Buildings and Contents Insurance

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Mortgages

  • Remortgage
  • Buy to Let

At Aqua Sulis Financial Management Limited we appreciate that arranging a mortgage can be stressful and time consuming. Our mortgage specialists have an excellent customer satisfaction record and will work for you to make the mortgage process as simple and stress-free as possible.

Whether you’re buying a home, changing your mortgage or investing in property, our Financial Consultants will guide you through the many different products available on the market and give you expert advice to help find the right mortgage for your individual needs.

We can introduce you to conveyancing specialists for your legal works.

  • Commercial Mortgages
  • Commercial Lending

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £250.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The commercial loan and commercial mortgage market places are unregulated and do not fall under the Jurisdiction of the Financial Conduct Authority. Aqua Sulis Financial Management can provide you with links, contacts and referrals to commercial mortgages and the relevant providers, however, you should be aware that this market place is unregulated and will be referred to an outsourced provider not associated with Caerus Financial Advisers.

The Financial Conduct Authority does not regulate Conveyancing advice, Commercial Mortgages and Buy to Let Mortgages.

Estate & Inheritance, Legacy, Creation

  • Will Writing
  • Establishing Your Children’s Guardian
  • Power of Attorney
  • Whole of Life Protection
  • Enterprise Investment Schemes

To ensure your estate is passed on to those you love and that the taxman is not the main beneficiary of your wealth then effective planning and completing a Will is essential. No valid Will ensures the UK government will distribute your estate as per the laws of intestacy and may even decide who takes care of your children.

Our Financial Consultants offer an extensive Will Writing service ensuring your assets pass to your beneficiaries as you desired. Having worked hard all your life to accumulate your wealth please do not leave this area to chance. Heavy tax charges can be levied on your assets and making sure you have explored all options, utilised all your allowances and thereby ensuring that you can leave the bulk of your legacy to your loved ones is paramount.

  • Discounted Gift Trusts
  • Trusts
  • Available Allowances
  • Gifting

The Financial Conduct Authority does not regulate Estate Planning, Lasting Power of Attorney, Will Writing, Taxation and Trust advice.

Areas of Advice

Aqua Sulis Financial Management Ltd is an Appointed Representative of CAERUS Financial Ltd which is authorised and regulated by the Financial Conduct Authority.

© 2018. Reg’d in England & Wales No. 11119852. Reg’d Address: The Island House, The Island, Midsomer Norton, Radstock, BA3 2DZ   

COOKIE POLICIES  |  TERMS

Aqua Sulis Financial Management Ltd is an Appointed Representative of CAERUS Financial Ltd which is authorised and regulated by the Financial Conduct Authority.

© 2018. Reg’d in England & Wales No. 11119852. Reg’d Address: The Island House, The Island, Midsomer Norton, Radstock, BA3 2DZ  COOKIE POLICIES  |  TERMS

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