Pension & Retirement
In this ever-changing environment Pensions & Retirement Planning
is an important and often complicated area for individuals and companies
alike. Fraser Spy has considerable
experience in the implementation of Pension Plans, their maintenance
and improvement, continuing through to eventual uplift of the pension
and cash benefits.
Gordon Spy holds the highly regarded G60 professional qualification
which allows him to provide advice in the most complex pension areas.
The introduction of Government legislation revolving around Stakeholder
Plans and the various options on retirement make this a primary
area of business and warrants the professional guidance offered
by Fraser Spy.
Increasingly, it has become essential that pension advisers react
and implement opportunities that are often missed by individual
clients or even companies.
The delivery of information on changes, which may affect clients,
must be rapidly available via computer or hardcopy in order that
opportunities can be maximised.
Spy is one of only a few individuals recommended, by the USS,
to give advice to members in this highly technical and important
Investment planning can take many forms, from the modest to the
most elaborate. Fraser Spy can provide
advice on all sectors of the investment market.
Particular pride is taken in being able to ensure that selected
products match the risk profile of any individual or corporate client.
Suitable regard is taken to maximise the advantages of both tax
efficiency and many other beneficial elements when making recommendations.
The varied nature of individual investment portfolios ensure that
we undertake a regular appraisal of the many types of existing and
new products to reassure clients that they will be made aware of
changes and developments that may affect them in the future.
Various savings vehicles for future requirements such as children’s
education, wedding expenses or deposit on a first home.
Term Assurance, Whole of Life, Family Protection or Mortgage/Loan
Inheritance Tax (IHT) Planning
Arrangements which will minimise any
possible IHT liability and preserve capital for future generations.
(Not all inheritance tax planning is regulated by the Financial
Replacement Income in the event of sickness
Critical Illness Protection
Provides a Cash Lump Sum on the diagnosis
of a qualifying illness.
Business & Keyperson Protection
To protect a business from the effects
of losing a Key Director or Key Employee through death or illness.
A capital investment to purchase a guaranteed