• Independent Advice on Business Protection
• On-Going Portfolio Reviews
• Independent Financial Advice
• Independent Pension Advice and Retirement Planning
• Estate Planning
• Independednt Investment Advice
• Independent Advice on Personal Protection
• Cash Flow Modelling

Independent, Unbiased Pension Advice and Retirement Planning service

The massive changes in the pensions regulations recently have made it more important than ever that you have qualified independent financial advice to assist in the process of choosing a plan that meets all of your needs.

At Beaumont we understand this can be a daunting prospect but we are on hand to assist with every decision, every step of the way. We specialise in providing unbiased independent pension advice across the whole process from beginning to end offering tailored, efficient and easy to understand advice.

We provide advice on:
•Differing retirement options
•Drawdown
•Reviewing existing arrangements
•Pension planning
•Personal pensions
•Pension management
•Company/Employer contributions
•Tax efficiency

All our advice is designed around investments to meet individual's attitudes to risk while maximising returns and ensuring costs of policies are as competitive as possible.

Independent, Unbiased Financial Advice Service

Beaumont Financial Planning is a firm of Independent Financial Advisers based in Oswestry in Shropshire, with a wide base of clients throughout Shropshire, the Midlands, Cheshire, North and Mid-Wales and beyond.

We differ from many financial advisers in that we specialise in looking after the specific needs and goals of business owners, company directors and private clients.

Beaumont Financial Advisers offer specialist advice on pensions, tax-efficient investments and shareholder protection, along with more innovative approaches such as personal cashflow modelling - projecting your income, expenditure and assets throughout your lifetime to ensure you're on the right track to have sufficient funds to support your lifestyle.

Estate Planning to maximise available assets while minimising liability

With an inheritance tax rate of 40% estate planning should be of concern to all individuals.

As prices rise, more and more people are being pulled above the nil rate band and are risking their loved ones being left with large tax bills simply for passing on what they worked so hard to achieve. £3.7 billion* was collected through inheritance tax in the 14/15 tax year, which is a shocking amount considering inheritance tax is one of the most avoidable taxes in the UK.

At Beaumont we have an in-depth understanding of the inheritance tax regulations and can provide you with specialist, tailored advice to meet your individual circumstances.

We can advise on the use of:
•Annual gifts
•Trusts
•Use of the correct assurance policies
•Appropriate exemptions
•Efficient planning

We can develop solutions to maximise the estate available to your family, thus ensuring all you worked so hard for is passed on to your loved ones with no strings attached.

If you want to find out more about our Estate Planning Service click here

Independent Investment Advice

People are now more than ever looking for new ways to invest their money, either to generate extra income, or build up a capital sum for the future.

Our Investment Process is:
•Tailored to the individual
•Designed to match your attitude to risk whilst maximising returns
•As tax efficient as possible
•Regularly reviewed

At Beaumont we offer a bespoke service where we design portfolios specifically for your needs. We then match this to your individually researched risk profile to ensure we can create successful investments at a level that matches your attitude to risk.

We get to know you and complete detailed fact finds that allow us to focus on meeting your immediate needs while also supplying the investment returns required to meet your future aspirations.

The on-going portfolio management service we offer allows us to take away any worries that you may have in the knowledge that your financial future is in the hands of trained professionals who have been managing the process for over 15 years.

Independent Advice on Personal Protection policies and tax efficient planning

Personal Protection

Insuring yourself against an unexpected event, such as sickness or even death may not be a pleasant thing to think about, but the benefit of being able to set these financial issues aside during difficult times, for both you and your family members should not be overlooked.

With a massive range of protection products available to you it is advisable to receive independent financial advice. At Beaumont we specialise in creating the right policy to cover your individual needs at the lowest possible price.

We also go the extra mile to ensure policies are put into the most tax efficient vehicles to ensure any proceeds from policies are paid outside of your estate. This allows these benefits to be free of any inheritance tax charge ensuring they reach the desired beneficiaries in their entirety.

Independednt Advice on Business Protection policies and tax efficient planning

All businesses should plan for any unfortunate events that may arise, such as the death of a company director or shareholder, as all remaining parties need to know that they can continue to run the business with the minimum of disruption.

Beaumont offers unbiased, bespoke independent financial advice and solutions that will protect you and your business. We carry out an initial assessment of the potential risks that your business faces and the types and amount of cover that you will require. We can then discuss the most appropriate risk management and insurance solutions for your company, while ensuring they are implemented in the most tax efficient and beneficial way.

Cash Flow Modelling to visualise and plan for your financial future

At Beaumont we provide you with the opportunity to better visualise and plan your financial future. We do this through the use of a cutting edge technological service called cash flow modelling.

The process of cash flow modelling allows you to see the differing variables available that will help mould your financial future. We do this through carrying out a detailed financial analysis of you and your individual situation before entering this information into a state of the art cash flow model program to show future financial prospects.

The cash flow model allows sensible financial decisions about critical issues such as:
•The Optimal age to retire
•Level of life cover required
•Level of pensions contributions required to maintain living standard
•Whether large capital expenditures are affordable

The cash flow model we employ is completely based around individual circumstances and possibilities, there is no generic data produced so allows for a detailed and accurate projection of individual financial situations. As this is the case we are able to set your mind at rest by answering any ‘what if' scenarios that may concern you by ensuring the correct protection and mechanisms are in place.

Our cash flow model allows us to:
•Provide detailed ‘what if' scenarios
•Demonstrate how short and long term goals can be achieved
•Provide clarity of the current financial situation
•Help you take control of your financial future
•Plan the optimum time for life changing decisions – selling business, downsizing

Our cash flow models provide you with a view of your current financial outlook whilst allowing you to plan for you and your families financial future.

Independent and Unbiased On-Going Portfolio Review Service

At Beaumont we have been reviewing client portfolios for over 15 years. It's something that really gives us satisfaction (and our clients too!)

We have had massive success over that time allowing our clients to enjoy the financial freedom that they deserve. This is visible from the fact the majority of our clients are long term while we have a client retention rate of over 97%.

We provide an on-going portfolio review service allowing you to relax as your financial future is safely in the hands of a qualified specialist. We ensure the correct funds are used in the most tax efficient way to maximise returns, while meeting the risk attitudes of each individual and their specific situation.

Our Portfolio review service is:
•Designed to meet each individuals needs
•Tax efficient
•Focused on delivering great returns
•Matched to each individuals risk profile
•Allocated to disperse risk while maximising potential

We diversify our fund choice to minimise the impact of market fluctuations and give you peace of mind regarding your financial investments.

We believe in offering exceptional service at all levels of the business and through every process. Communication is key to this objective so you can be sure you will receive regular reviews and if you are ever in need of any advice we are happy to help.

Trading Since

Year 2000