Investments
Investment Planning: Building a Strong Financial Future
Strategic investment planning is essential for achieving financial independence and securing your future. At David Winter Independent Financial Advisers, we specialise in providing expert investment planning advice, helping you make the most of your income or capital. Whether you’re looking to grow your wealth, generate income, or both, our tailored investment strategies are designed to align with your financial goals and risk tolerance.
Did You Know?
According to the Adult Financial Capability Survey, 39% of adults (equivalent to 20.3 million people) lack confidence in managing their money.* This statistic highlights the importance of professional investment planning, which can provide clarity and direction for those looking to enhance their financial security.
While many people feel that keeping their funds in a bank account or building society is the safest option, this approach often fails to outperform inflation and provide a real return. If you aim to grow your wealth and make the most of your financial resources, independent financial advice can be invaluable. Our team of experienced advisers will work with you to develop a personalised investment plan that considers your unique needs, including your risk appetite, tax considerations, and investment timeline.
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What We Do
Our Investment Planning Services
Individual Savings Accounts (ISAs) are a tax-efficient way to save and invest. We can help you construct an ISA portfolio that maximises your tax-free allowances while aligning with your investment goals. Our advice ensures that your savings work harder for you.
Individual Savings Accounts (ISAs) are a tax-efficient way to save and invest. We can help you construct an ISA portfolio that maximises your tax-free allowances while aligning with your investment goals. Whether you’re looking for cash ISAs, stocks and shares ISAs, or innovative finance ISAs, our advice ensures that your savings work harder for you.
An Enterprise Investment Scheme (EIS) and Venture Capital Trust (VCT) can offer investors 30% income tax relief on investments. Capital Gains Tax relief can also be claimed on 100% of the amount invested. If EIS shares are sold at a loss, the amount can also be set against your income, excluding any income tax relief already given.
EIS and other investments which qualify for Business Property Relief (BPR) will be excluded from your Estate for Inheritance Tax after being held for 2 years. BPR investments can also be held in an ISA, thereby ensuring a Tax efficient return on your investments.
These investments are higher in risk and advice should be sought before investing in these investments.
Investment bonds offer a flexible investment option with potential tax advantages. We provide expert guidance on both onshore and offshore investment bonds, helping you choose the right bond structure to suit your financial planning needs. Our advice ensures that your investment bond strategy aligns with your long-term financial objectives.
Why Choose David Winter IFA for Your Investment Planning?
At David Winter IFA, we understand that every client’s financial situation is unique. That’s why we take the time to listen to your needs and design an investment plan tailored to your specific goals. Our independent status allows us to provide unbiased advice, offering access to a wide range of investment products from across the market.
We recognise that investment planning is not just about growing your wealth but also about protecting it. That’s why our strategies are designed to balance risk and reward, ensuring that your investments are aligned with your risk tolerance and financial objectives. With our support, you can confidently navigate the complexities of investment planning, knowing that your financial future is in safe hands.
The value of your investments can go down as well as up, and you may get back less than the amount invested.
Contact Us
Ready to explore the potential of strategic investment planning? Get in touch with us today to discuss how we can help you achieve your financial goals through tailored investment strategies.
