For most people, debt is an inevitable part of life – especially when it comes to property purchase.
We encourage our clients to plan the repayment of all debt before they reach retirement, and where that debt is unsecured (usually at a high interest rate) to repay it much sooner than that.

We help you to weigh up the relative merits of debt repayment versus longer-term savings. We strongly urge clients not to borrow to invest. If the investment rises in value it can boost the return. But if the investment falls in value the effects can be disastrous.

We do not provide mortgage advice to our clients but we work with a number of experienced mortgage advisers from other firms to whom we’ll refer you.

• Budgeting/Cash Flow Planning – Building Wealth – Punter Southall Financial Management

  Budgeting is a vital part of pre and post-retirement planning

• Goal Setting – Building Wealth – Punter Southall Financial Management

  “If you don’t know where you are going, every road will get you nowhere.” – Henry Kissinger

• Individual Savings Accounts – ISAs – Building Wealth – Punter Southall Financial Management

  The government’s scheme to help you save in a tax-efficient way

• Investments – Building Wealth – Punter Southall Financial Management

  There are many different types of investment available. Which will work for you?

• Pensions – Building Wealth – Punter Southall Financial Management

  Affording a long and potentially expensive retirement needn’t be so hard

• Savings – Building Wealth – Punter Southall Financial Management

  Start building your savings early and they’ll be more valuable when you need them

• Tax – Building Wealth – Punter Southall Financial Management

  Structure your assets and your income in a tax-efficient way

• Life Insurance – Building Wealth – Punter Southall Financial Management

  Protect yourself and your loved ones