In life and in financial advice, we often ask – and are asked by other – the question,
“How do you make the right decision?”
For me, it comes down to one thing: Have I provided the best advice to each client today?
I take my responsibilities seriously and I’m pretty good at delivering all manner of financial planning advice, investment and protection in equal measure. However, where I believe I excel for my clients is in later life planning. Being of that vintage myself I have for many years looked to secure my clients financial future.
I have been witness to many families who suffered the financial and emotional consequences of a loved one dying suddenly with no later life planning in place. Homes and assets at risk, unwanted legal claims, increased probate costs, standard of living under threat and money problems. None of us particularly wish to plan for death, but sadly none of us is immune either.
How I help you
I help my clients in several ways; by advising them on their overall financial situation, there tax-efficient Estate Planning and effective use of all tax allowances which include investments and pension. It is hard to predict the knowns and unknowns however we can by making a Will, having clear Power of Attorney wishes and the opportunity to plan for care home costs – I know, all that’s a bit much and we haven’t even met yet!
What I know for sure is that the sooner we engage and have a discussion about your situation, the sooner we can provide with sound tax and financial planning.
The cost of care
The impact of the cost of care commonly affects two or even three generations, issues are complex and definitely not suited to a ‘do-it-yourself’ approach as getting it wrong can be costly for the entire family. I am ideally placed to explain and show you how care works in Scotland and in England, particularly with regards to what levels of allowances are given, if any, and how they can assist with the costs.
Testimony to this is that I am referred many clients from other Independent Financial Advisers who don’t yet have my experience and expertise in the area of care costs and later life planning. I can simplify the complex and try to make the stress of later life planning as relaxed as it can be.
I want you to enjoy the future with your family and for your family to be secure in the future without you.
I hope we have the opportunity to speak sometime soon.
Yours,
David Jack
Hello, I’m David Jack, Managing Director of Castlebank Financial Planning. I understand how hard you work to secure your financial future, and that you should expect nothing but the best when seeking financial advice. That’s why I’ve designed my services with you in mind.
Here are a few you might recognise
