Independent Financial Advice

At Capel Court, we recognise that a ‘one size fits all’ approach has never been appropriate to financial planning and we pride ourselves on offering truly independent financial advice which is tailored to individual requirements.

An Independent Financial Adviser (IFA) is different to a tied agent in that the IFA represents you and investigates the whole market to identify the product or service that matches your needs. A tied agent represents their employer, possibly a Bank, Building Society or Insurer, and they can only give advice on the products that their employer provides.

At Capel Court, our advisers consider all aspects of your financial circumstances before making recommendations which are designed to help you achieve your financial goals and aspirations. If you wish to have a free, non obligatory initial review, please contact us to arrange an appointment with one of our independent financial advisers.

Broadly speaking, the main areas of financial planning an individual should consider come under the headings of Protection, Retirement Planning, Savings & Investment, Equity Release, Long Term Care, Tax Planning and Trusts. To find out more information and details about these areas of financial planning, which might be of interest and benefit to you, please click on the link below each sub section.

Protection

Any plans you may have for your spouse, children or business may be worthless if you are unable to work owing to an accident, sickness or death. With careful planning we can assist you in protecting those you love and care about.

Retirement Planning

Retirement planning can never begin soon enough. We offer you guidance to ensure your future income, covering all the options available to you. In keeping with your circumstances, we offer investment and fund selection advice from before you make your first pension contribution until the day you choose to take the benefits, and thereafter.

Savings & Investments

We firmly believe that the key to financial success is a diversified portfolio of investments at a level of risk you feel comfortable with. Drawing on our professional experience, we have for many years been guiding clients through the investment maze, helping them to make the right financial decisions.

Equity Release

Many individuals have benefitted over the last few decades of having the value of their homes increase significantly. Equity Release allows homeowners who are over 55, to gain access to the equity within their home, enabling funds to be raised for use at their discretion.

Long Term Care

With improvements in healthcare, many individuals are now living much longer, and as such, may find themselves in a position where they can no longer look after themselves, or they suffer with conditions which require professional care above and beyond that which the immediate family can provide.

Tax Planning

In our experience, many investors are paying more tax than is necessary. With planning and advice, we can help to ensure that your investments are arranged and managed to achieve maximum tax efficiency.

Trusts

The use of trusts in financial planning is becoming ever more popular as individuals seek to mitigate their exposure to Inheritance Tax. Using trusts, you can also ensure that your estate is channelled to those whom you wish to benefit.

How are Capel Court paid for their services?

As independent advisers, Capel Court are able to offer you a choice of how we are paid for the advice and services we provide. To find out more about this, please contact us, where a member of the team will be able to explain the choices you have.