services

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

INHERITANCE TAX

INHERITANCE TAX




Leave a legacy all of their own.

Ensure your family and chosen beneficiaries receive everything they’re entitled to, after you’ve gone. We can help carefully structure your financial affairs to legally reduce costly inheritance tax.

 

Inheritance tax means the HMRC can take a considerable portion of your estate before it goes to your family, friends and chosen beneficiaries – 40% if the value is more than £325,000 – and with the rise in property prices, the likelihood of exceeding this threshold is greater.

At Sheldon Flanders we can advise on the best ways to legally minimise your tax liability.

Depending on your situation, we may recommend investments or trusts, lifetime savers or life assurance plans, carefully structuring your financial affairs enabling you to benefit from all the exemptions and reliefs to which you’re entitled. But whatever we recommend, we will always clearly explain the benefits and outcomes of the options available to you.

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

LIFE COVER & CRITICAL ILLNESS

LIFE COVER & CRITICAL ILLNESS




It’s the things we leave behind that are infinitely most important. Protect the ones you love with life cover.

Because life is truly unpredictable, it’s important to consider how the people who matter most  will cope financially when you die. We can help you select the best cover policy so you can carry on and enjoy every moment, knowing your family will be taken care of.

 

If you are the main breadwinner or are a main contributor to the family’s piggybank, then taking out a policy will give you the peace of mind that loans are paid off and long term finances are taken care of if you’re not around to pay for them.

This money can be used to pay off large debts, mortgage expenses, education fees and childcare. It can also help lighten the financial load of day-to-day living, chipping away at food costs, utility bills and clothing.

At Sheldon Flanders we evaluate every policy across a broad range of providers, bringing you the most suitable cover for you and your loved ones.

 

And for the unexpected turns in life, there are lots of ways to soften the financial blow with critical illness cover.

There’s no way of knowing what’s around the corner, a critical illness can impede your ability to work and severely effect your income and outgoings. We make choosing the right cover policy for you and your family simple and straightforward.

A common addition to life insurance, critical illness insurance covers you financially should you be unable to work, providing a lump sum on diagnosis to enable you to concentrate on your recuperation without having to worry about meeting outgoings or paying off debts.

We will research the marketplace to find the most suitable plan, meeting the desired level of cover over the term required.

 

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

INVESTMENT

INVESTMENT




Invested in your best interest. Trusted, expert advice on savings and investments that works for you and your financial future.

When it comes to investing, nothing pays off more than the advice of a trusted expert. We can review current or recommended savings and investment plans to ensure they meet with your long term financial goals.

 

Whether you have current investments that need reviewing or are thinking about investing, we can give you expert insight into the best of what the market has to offer.

It’s our aim to bring you the most viable options available. We’ll examine what’s achievable in relation to your financial goals for the future, all associated risks and help you come to an effective and comfortable decision. 

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

KEYPERSON PROTECTION

KEYPERSON PROTECTION




Everybody is important to your business, but some losses are felt more than others. Reduce the impact with key person protection.

The loss of an invaluable member of staff can have a severe impact, leaving the business worse off financially and struggling to continue without that person’s expertise. Key person protection insures against such a loss to help secure future profits and sustainability.

 

When a key member of staff dies or is diagnosed with a critical illness, it can leave a company without essential skills and expertise, not to mention understaffed and struggling to manage until a suitable replacement can be found. In short, losing somebody integral is an overbearing detriment, one that often leads to financial problems in the long term.

Key person protection insures a business against such a loss, providing funds to help secure lost profits and implement new staff and procedures necessary to carry on as normal.

At Sheldon Flanders we help you select a cover plan – against death and/or critical illness – that best matches that person’s job role, skill-set and financial contribution to the business. After all, we understand the importance of a job well done.

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

SHAREHOLDER PROTECTION

SHAREHOLDER PROTECTION




Business as usual. Secure the funds and the framework necessary to protect your company and its partnerships.

The loss of a shareholder can leave remaining partners unsure about the future ownership of their company. We can help you to retain control and stability so business can carry on as usual.

 

When a shareholder or company partner dies or is diagnosed with a critical illness, it can leave the door open for anybody to come and take their place. This isn’t always in the best interest for the business.

With shareholder protection insurance, funds can be secured to buy back the shares necessary to retain control, ensuring initial ownership stands and normal business can resume.

At Sheldon Flanders we can establish the most suitable policy that is most beneficial to both the company and the family of the party that suffers ill-health or death. We’ll take you through the key features of every available option, make trusted advisements and help you with those important decisions because that’s our business.

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006

 

PERSONAL PENSION

PERSONAL PENSION




Save for the future that you envisaged. Because the biggest, most important investments are often the most personal.

If you want to be financially secure in retirement but don’t have a pension scheme at work, then a personal pension can be a great way to save for the future you have in mind. We offer trusted, expert advice on choosing the right plan for you.

 

The key to a secure and comfortable future is successful planning. Even though you’ve not yet reached retirement age, there’s no better time to consider your long term financial plans.

Here at Sheldon Flanders we listen to what you want in later life and offer friendly, honest advice and expertise on how to secure a sufficient pension to meet your priorities.

There are so many different pension providers out there to choose from, each with their own benefits and stipulations, which is why we go through the details together, making advisements as we go, in order to find a plan to suit you best. Making the whole thing as simple and straightforward as possible.

 

Financial health is financial wealth.

If you want to be financially healthy, please book an initial meeting and let’s discover if we can help you
Call us on 01332913006