Individual Retirement Planning
The right time for pension planning is now. We can help you plan your long and happy retirement.
Constant changes to pension rules make this area confusing but we can help you make sense of your pensions.
We can recommend practical ways to ensure your pension is as suitable as possible, regardless of what stage in life you are at:
- Pre-retirement
- At retirement
- Post retirement
Corporate Retirement Planning
We help employers of all sizes, and in all sectors, make the right decisions to achieve their pension and benefits goals.
The world of pensions and employee benefits has undergone unprecedented challenges, particularly following the introduction of the workplace pension legislation.
We are here to help you understand your obligations, review any existing pension schemes you run and then put in place a comprehensive plan to ensure compliance
At Talon Associates Limited, we have a combined total of more than 50 years’ experience in advising companies of all sizes and all sectors.
Wealth Management
A complex choice faces today’s Investor.
With stock markets volatile and interest rates low, investing money to make a real return is not easy.
However, we can work with you to develop a suitable investment portfolio that meets your personal objectives but flexible to adapt to potential changes in your circumstances.
Investing with us allows you to benefit directly from our expertise in portfolio construction, fund research, professional advice and on-going monitoring.
Our investment process is robust, measurable and independent.
Risk management is a very important part of what we do for our clients and we aim to avoid any nasty surprises.
*Past performance is no guarantee of future returns. The value of your investments may fall as well as rise and you may not get back the full amount invested.
Mortgages
Choosing the right mortgage is one of the biggest financial decisions you will make.
So, whether you are a first-time buyer, re-mortgaging or simply moving up the housing ladder we can help with our first-class mortgage advice service.
We provide mortgage advice from the whole market available to us, offering a full recommendation service
N.B. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you re-mortgage. Mortgage availability depends on your circumstances.
Family Protection
If you have children or other financial dependents, then it’s important to consider how they will be financially looked after in the event of your demise or becoming ill.
Whether you need life cover, critical illness cover, or income protection we will explain the options available to you, therefore allowing you to make an informed decision about the cover you select.
Very simply, we offer a protection advisory service aimed at helping you protect your family and your home.
We are independent, so we can source the best plans to ensure that you and your family are protected should the worst happen.
Estate & Tax Planning
“Tax does not have to be too taxing.”
In these times of low interest rates reducing the tax you pay has never been more important. Tax considerations play a vital part in our advice process.
We can help you avoid the pitfalls and keep your tax to a minimum by advising you on the tax reliefs that are available to you through investing and managing your income.
In addition, we can help ensure that your estate is passed to your beneficiaries in accordance with your wishes, and with as little inheritance tax paid as possible.
We can also help you identify ways to reduce the amount you pay on income tax, capital gains tax, and corporation tax and will work with your accountant and other professional advisers where appropriate.
N.B. The Financial Conduct Authority (FCA) does not regulate tax-planning or estate planning.
Business Protection
Most small to medium sized firms are often unprepared in some areas of financial planning.
In most cases business owners are happy to insure buildings and machinery. However, few business owners consider the impact of their demise or illness on the future success of the firm? What if a key member of staff falls ill and profits fall as a result?
So, protecting your business is a crucial part of making sure it can succeed. Making sure the business can continue in the absence of key individuals, or that the ownership of the business passes efficiently on death of a shareholder can ensure that the business is not disrupted at what is a difficult time
Various insurance based solutions are available, so come and talk to us about how we can provide advice to your needs.
Talon Associates Limited
224 Wallace Street
Glasgow
G5 8AE
Phone: 0141 429 5500
Talon Associates Limited is authorised and regulated by The Financial Conduct Authority (FCA)
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