Financial Planning Advice

Retirement should be something you look forward to.

No one wants to work forever and in the current financial climate, planning ahead has never been so important. While you are likely to accrue a basic state pension throughout the course of your working life, in many cases this is far less than the amount most people would be comfortable living on. By planning ahead and applying pension tax efficiency, you can avoid any possible shortcomings and realise your full financial potential in retirement.

Pensions and retirement advice

Advisers at our Manchester office can assist you with the following:

• Personal pensions
• SIPP/SASS
• Stakeholder pensions
• Pension sharing orders
• Taking pension benefits
• Final salary review

The next step

If you would like to discuss the pensions and retirement advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.

Wondering what investment is right for you?

Whether you are a veteran investor or simply wondering if investment is right for you, we can help. Our advisers will assess your needs and put together an attractive investment portfolio that offers great returns in line with your long-term financial objectives and appetite for risk. We are happy to consult on a single issue, or take the big picture view of your financial profile, and put together a comprehensive plan to help make the most of your money.

Investment planning advice

Advisers at our Manchester office can assist you with the following:

• ISAs
• Unit trusts
• OEICs
• Investment bonds
• Corporate investments
• Structured products
• Exchange traded funds
• Offshore investment
• Access to discretionary fund management
• Wrap platforms
• Asset allocation
• Cash management

The next step

If you would like to discuss the investment planning advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.

Safeguard your finances

Whether you are a private or corporate client, our investors are on hand to financially protect you.  Our team of experts will work with you closely to understand your current financial position, addressing any potential shortcomings with robust solutions.

We have a vast amount of experience advising directors, and safeguarding businesses from the loss of a crucial staff member or key shareholder. We understand the detrimental impact this can have on your business, including but not limited to the depletion of profits, the loss of key clients and in some cases the inability to offer a key product or service. Pareto puts the safeguards in place, leaving you to get on with running your business

Insurance and protection planning advice

Advisers at our Manchester office can assist you with the following:

• Key person cover
• Partnership/ shareholder protection
• Family protection critical illness cover
• Income protection
• Family income benefit
• Mortgage protection cover
• Whole of life
• Life assurance including gift inter vivos

The next step

If you would like to discuss the insurance and protection planning advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.

Our advisers take a holistic approach to financial planning, leaving no stone unturned to ensure our clients receive a comprehensive financial service. With a team of tax partners and specialists to hand, we keep our clients one step ahead, giving them the peace of mind that their finances and investments are working according to their objectives, as efficiently as possible.

Tax planning advice

Advisers at our Manchester office can assist you with the following:

• Gift rules including PETS and CLTs
• Inheritance Tax planning
• Trusts
• Gift and loan arrangements
• Spousal by-pass
• Family protection trusts
• Discounted gift trusts

The next step

If you would like to discuss the tax planning advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority

There are many opportunities to reduce Inheritance Tax. Strategies are particularly effective when grandparents, parents and children work in unison. Your goal may be estate preservation, legacy creation, or a combination of the two. Whatever your objective, we can help balance peace of mind with control, access, security and simplicity.

Inheritance & estate planning

Advisers at our Manchester office can assist you with the following:

• IHT exempt or IHT efficient investment and tax wrappers
• Use of personal and family exemptions and allowances
• Gifting
• Trusts
• Life cover and whole of life planning
• Business Property Relief
• Charitable giving
• Will writing and trust planning

The next step

If you would like to discuss the tax planning advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.

We understand the challenges that business owners face and how best to overcome them. By working in partnership with your business, we can provide ongoing support to implement a range of financial planning solutions.

Advisers at our Manchester office can assist you on the following:

• Shareholder Protection
• Key Person Insurance
• Relevant Life
• Group Life, Income Protection and Critical Illness
• Group Pensions
• Auto enrolment
• Salary Sacrifice arrangements
• Sick Pay Insurance
• Private medical
• Dental Cover
• Health Care Cash Plans
• Health Screens
• Tax efficient cash extraction

The next step

If you would like to discuss the SME and corporate financial planning we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.

With a comprehensive knowledge of the lending market, our mortgage service will help remove the stress of applying for a mortgage and ensure a swift and smooth completion. Knowledge of the market is vital in ensuring that you get matched to the best lender for your circumstances and our strong relationships with mortgage underwriters ensures that we can put together the best possible case to get your application accepted.

Advisers at our Manchester office can assist you on the following:

• First time buyers
• Buy-to-let mortgages
• Remortgaging
• Bridging loans
• Commercial mortgages
• Expat mortgages
• Let-to-buy mortgages
• Development finance
• Freelance & Self-Employed mortgages
• Mortgages for Doctors
• Mortgages for Directors
• Interest only mortgages
• New build apartment mortgages
• Contractor mortgage
• Lifetime mortgage or Home Reversion

The next step

If you would like to discuss the mortgage advice we can provide in more detail, please contact one of our financial planning specialists.

UHY Manchester Financial Planning is a trading name of Pareto Financial Planning Ltd.  Authorised and regulated by the Financial Conduct Authority.