Chartered Financial Planner
ClearPlan Financial Services Ltd's advice is provided by Michael Meech who is a Chartered Financial Planner. He has also achieved FCII (Fellowship of the Chartered Insurance Institute) accreditation. Michael was also selected in the top 35 under 35's Rising Stars of 2016 by the Citywire New Model Adviser.
Retirement planning services in Cheshire
Do you want to create a pension plan? Contact ClearPlan Financial Services Ltd if you need help with retirement planning.
A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Plan for your retirement
At ClearPlan Financial Services Ltd, we provide pre and post retirement planning advice. With our extensive knowledge we'll be able to guide you to have an appreciation and understanding of the complexities surrounding retirement planning by communicating all the available options in a clear jargon free language. Our advisers will understand your financial ambitions and develop a suitable retirement plan. We'll also help you in implementing strategy based retirement planning solutions.
Lifestyle cash flow modelling
We undertake a lifestyle cash flow modelling exercise and review it annually. This will help you in determining how much is required to maintain the planned lifestyle. Our pension plans are prepared on the basis of money as well as lifestyle. Contact us for more information on our services.
Independent Chartered Financial Planner
Do you want to create a pension plan? Contact ClearPlan Financial Services Ltd if you need help with retirement planning.
The value of investments and income from them can go down. You may not get back the original amount invested.
Invest in a secure future
When it comes to constructing a personal portfolio, each individual’s ambitions and appetite for risks are different. At ClearPlan Financial Services Ltd, all our investment proposals are advised by an experienced independent chartered financial planner.
Being independent means we are able to consider all the different investment options and management styles available and recommend all types of retail investment products that could be suitable for you. Our adviser will sit down with you face-to-face and take the time to listen, so that we truly understand your expectations, feelings towards risk and capacity for losses. This enables us to conduct a personalised evaluation of your circumstances, so that we can guide you on which investment management methodology will be most suited to your needs.
Our Chartered planners deal in:
Unit Trusts & OEIC funds
Risk rated funds
Exchange-traded funds and investment trusts
Discretionary model portfolios
Advisory model portfolios
Bespoke discretionary fund management
Tax planning services in Cheshire
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.
The Financial Conduct Authority does not regulate taxation advice.
Don’t pay too much tax
Too often we come across people paying too much tax, both in their lifetime and upon death. Undoubtedly the current and forever changing tax legislation have created an unsurprisingly complex minefield to understand. At ClearPlan Financial Services Ltd, we can easily structure your financial affairs such that it works efficiently. Our advice will prevent you from paying unnecessary tax.
Feel free to call us for queries.
Our Chartered planners deal in:
Income tax
Inheritance tax
Capital gains tax
Tax relief on investments and pensions
Financial planning services
For advice on financial planning, contact ClearPlan Financial Services Ltd today.
Comprehensive financial planning
At ClearPlan Financial Services Ltd, we provide a range of financial planning services. We specialise in tax planning, retirement planning, estate planning services and creating investment portfolios. Our advisers also provide protection services.
Get in touch with us for honest and reliable financial services.
Financial planning process:
Establish and define the professional client - planner relationship
Gather the client's information
Analyse the client’s financial status
Develop the financial planning recommendations and present them to the client
Implement the financial planning recommendations
Review and monitor the financial plan
Estate planning services
Choose ClearPlan Financial Services Ltd for advice on estate planning.
Contact us for services.
The Financial Conduct Authority does not regulate estate planning.
Inheritance tax planning
The perception that only the really affluent need estate planning is a misconception. Every individual who has his own estate which, if left with no planning at all, in the event of death, will inevitably become subject to a more stressful probate process, dictated by the rules of intestacy and potentially impacted by a significant inheritance tax bill.
Fortunately, there are a number of options for you to consider implementing to help reduce or even eliminate any inheritance tax liability payable. At ClearPlan Financial Services Ltd, we have specialist knowledge and experience in providing estate planning solutions. Contact us for further information.
Estate planning will help you in:
Retaining control of your assets
Minimising probate fees and inheritance tax on your estate
Distributing the assets to the chosen beneficiaries as per your wishes
Planning for the unfortunate event of mental incapacity and your future well-being
Designating charitable gifts for causes you support
Wealth Protection Services
ClearPlan Financial Services Ltd provides advice on life insurance, income protection and critical illness protection
Plan for your retirement
At ClearPlan Financial Services Ltd, we provide pre and post retirement planning advice. With our extensive knowledge we'll be able to guide you to have an appreciation and understanding of the complexities surrounding retirement planning by communicating all the available options in a clear jargon free language. Our advisers will understand your financial ambitions and develop a suitable retirement plan. We'll also help you in implementing strategy based retirement planning solutions.
Lifestyle cash flow modelling
We undertake a lifestyle cash flow modelling exercise and review it annually. This will help you in determining how much is required to maintain the planned lifestyle. Our pension plans are prepared on the basis of money as well as lifestyle. Contact us for more information on our services.
Income protection
Imagine you were unable to work due to accident or sickness for a prolonged period but your medical diagnosis did not qualify as a critical illness. Owning an income protection policy in this instance will protect you from the loss of a proportion of your regular income enabling you to maintain your family’s routine lifestyle.
Feel free to contact us with your requirements.
These plans have no cash-in value at any time. If you stop paying the premiums the cover may cease.
Investment: We are covered by the Financial Services Compensation Scheme, which covers a maximum limit of £85,000
Insurance: We are covered by the Financial Services Compensation Scheme (FSCS), which covers for 90% of a claim, without any upper limit