Services
Holistic Financial Planning
Cashflow analysis
Cashflow analysis takes a detailed forecast look at your financial life going forward, factoring in income, expenditure and expected life events. It can be especially helpful in assessing the financial impact of decisions you are looking at today.
- Visual evidence of the impact of future financial plans based on available assets and potential life events
- Eliminates emotion from important financial decisions
- Helpful in narrowing risk required in order for funds to last throughout life
Investment advice
At Paladin Advice, we provide a specialist independent service, designed specifically for individuals, trustees & deputies. By choosing to take advice from us there will be:
- No conflict of interest - you will be recommended the most suitable funds from the whole UK market.
- The funds will be highly rated by external agencies. We will look closely at the quality of investment processes, will interview the fund management teams, and will look for other strong qualitative factors.
- Keeping fund manager costs low – We use a selection of passive and active investments to keep the overall costs of investment low. The lower the overall charges the less drag there is on investment performance.
At Paladin our advice is truly independent, we do not have any financial ties with investment management firms, so we are free to advise from the whole of the market and only select investments that we believe are the right fit for our clients. Before recommending, we filter the selection of investments down taking account of costs, independent ratings and financial security of the investment manager. We will only recommend investments that we would personally be happy investing in (and do).
*The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Pension advice
We offer independent advice and therefore are not limited in the options available to you. Our pension advice will help you make the most of your retirement.
- Pensions Experts
- Providing advice before, during & after planned retirement
- Help you to get the best out of retired life
*The value of investments can fall as well as rise. You might get back less than you invested. You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment.
Protection advice
Protection advice helps businesses, individuals and their families by providing a safety net in case anything goes wrong.
This service provides peace of mind should the worst happen. At Paladin Advice we offer independent and whole of market access and as such are not limited on the products we can provide advisory support on.
- Whole of market
- Looks at your protection need: Life insurance, critical illness cover, private medical insurance and more
- Inheritance Tax Planning
Tax Efficient Planning (By referral)
We work with you to ensure that your plans are making the most of all available tax allowances.
Paladin Advice also offers referral to bespoke accountancy support with one of our trusted partners.
We cannot give advice on tax directly but can refer you to an accountant.
*Note, not all forms of tax planning are regulated by the Financial Conduct Authority
- Advice around investment tax wrappers
- IHT & Capital gains tax planning*
- Ensuring that you retain as much of your wealth as is possible
Later Life Advice
Your SOLLA accredited consultants are here to help you with all later life financial matters. They can ensure you have the peace of mind that you are making the right financial choices to secure your future at a very sensitive time.
- SOLLA Accredited
- Just one application form to complete
- Expert Advice
Socially Responsible Investments
Many ESG portfolio’s are too narrowly diversified and a ‘greenium’ is applied unnecessarily, we are able to avoid higher charges, risk tracking and offer you wider diversification with lower costs which means more money in your pocket, not ‘theirs’.
We understand that religious beliefs and/or ethical concerns can be hugely important to Clients when it comes to investment solutions.
- Specialist teams of investment professionals
- Investment solutions that may fit with Sharia law and be suitable for Islamic investors
- ESG investment strategies for ethically-conscious investors
Due Diligence & Elderly Options
We work with you to ensure your money will last throughout life and provide guidance on options to ease your financial administration, to be more tax efficient, increase income or growth and ensuring you are accessing any entitlement to funding or benefits you may be unaware of.
- Bespoke investment advice regarding funds, risk, cash-flow and investment strategy
- Fulfils court of protection financial requirements
- Provides clear instructions for you to act upon
Equity Release (By referral)
Equity release can be explored as part of long term care planning. Normally where a person is property rich, but cash poor it can help access or improve care provision.
Equity release is the opportunity to borrow against your house, or the equity that you’ve built up in it over time.
- Lump sum lifetime mortgage
- Enhanced lifetime mortgage
- Downsizing protection
*Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
Welfare Benefits
We can help you with a welfare benefit review to establish if you may be entitled to additional benefits that you don’t currently receive and provide support throughout.
- Considers how benefits impact the overall family
- Provides guidance and support through the assessment and application process which can otherwise be quite frightening
- Identifies if family member is better off working or caring
Personal Injury Trusts (PIT)
A Personal Injury Trust helps protect means-tested benefits and offers additional protection to damages award recipient that can make them invaluable in ensuring that funds last throughout life.
- Protects large sums of Claimants money across their lifetime
- Claimant has a trust bank account opened for them
- Can offer ancillary protection against other vulnerabilities
- Can hold cash, investments and/or property in the trust
- Trust can be managed by a professional if required