Your Life Stages
Whichever stage in life you have reached, sound financial advice and planning is vital. Financial planning is all about lifestyle. It's about protecting the lifestyle you currently enjoy, for yourself and your loved ones and it's about planning for the lifestyle you want to enjoy in the future. However, as you progress in life, the focus of your financial planning may change as your circumstances change. That's why you need to review your financial plan regularly, ensuring that it still suits your needs and objectives.
Would you like to be in a position to choose where and what your wedding will look like without worrying about the cost? Would you like to be able ensure that your children, or grandchildren can have the wedding they can only dream of?
We can help you put a plan in place to meet your goals in this area and with regular annual reviews, together we can ensure you get to where you want to be.
Starting A Family
The birth of a child is a wonderful time, but with it comes the inevitable additional financial responsibilities on the family. Unquestionably, the most important people in our lives are our family and the last thing we want is to think of them struggling for money if the unthinkable were to happen, whether it be illness or worse, premature death.
If this happened to you, how would your family cope? How would you feel if, through lack of planning, your family had to struggle because you could not work through an accident or illness? How would you feel if you thought your family would not be able to cope financially were you to die prematurely?
With a little planning, you can avoid such nightmares. Talk to us at Moor Investment Services and we can put a protection plan in place, which we will review with you as your situation changes, so you do not have to worry about any unfortuntate disasters affecting you.
Are you planning to privately educate your children or perhaps hoping they will go on to university? How much is it going to cost? Do you know how you are going to fund it? Would you like to be in a position to help contribute towards this important time in a young adult's life? What would happen if you could not work? What would happen to your family financially if you were to die prematurely or contract a serious illness that stopped you from working?
We can help you plan towards ensuring that any goals you might have in assisting your children, or even perhaps your grandchildren, can be met giving your family the best start in life possible. We can also help you assess the potential issues and with careful planning, you are protected so that if disaster should happen, your income could be maintained or there would be money available to help your family manage financially.
Divorce is without doubt one of the most stressful times in anybody's life. A complete change of situation can come with challenging financial issues and sometimes problems. It can be a time of turmoil where help and guidance through some complex financial decisions can be invaluable.
At Moor Investment Services, we have experience in dealing with all aspects of financial planning during divorce. From pension advice to helping either party plan forward for the future with certainty, at a time when everything can look like a mine-field.
When do you wish to retire? Could you afford to retire when you want to? What do all your pension plans add up to? How much will you get at retirement? Do you need to do more to retire when you want to? Why do I need a retirement plan?
These are just a few of the extremely important questions that we should all be asking ourselves, really, from our early twenties. With State retirement age recently being extended to 68 for many, if you want to retire earlier then you are going to have to take much more responsibility for your own retirement.
Moor Investment Services are retirement planning specialists with years of experience in creating financial plans for businesses and individuals which we regularly review to ensure that your retirement plan will maintain value against inflation and to keep you fully informed as to how you are progressing towards your eventual retirement goals.
Receiving an inheritance or a windfall of any kind can be a daunting prospect. Of course, you would want to make the most of the money but what exactly does that mean?
Should you put the money in the bank? Should you tie it up? If so, for how long? It is a good time to invest money? Should you pay off your mortgage? Should you give some away?
Moor Investment Services offer a structured investment and savings financial planning process to ensure your needs are fully catered for. Any investments you undertake are fully researched to ensure complete compliance with all of your attitudes and views. Your plan will be regularly reviewed with you so you are always aware as to progress towards any investment goals put in place at the outset, or to ensure if there have been any changes in circumstances, we can adjust the plan accordingly.
There are many choices and decisions to be made at retirement whether it be with personal pensions, company pensions, structuring savings for income, trading down property, paying off debts and many, many more. Do you find the thought of making these, sometimes once in a lifetime decisions daunting?
Moor Investment Services are able to help guide you through these incredibly important times and make sure you are fully informed as to the right route to take for you.
Inheritance Tax would probably be top of the list for the most hated taxes. How would you feel if 40% of your hard earned wealth was to go to the taxman, rather than your family on your death? Would you not want to pass on as much of your estate to your family as you could on your death?
We can help show you the best ways to keep Inheritance Tax to a minimum or in some cases, eradicate the tax bill completely.
Are you worried about if and when you might need to go into care and how you'll pay for it? Are you concerned about spending or using your money now for fear that you might need it to pay for care in later life?
If you need help understanding the options for paying care fees, how to fund for potential care without depleting the value of your estate and how to live for today as well as plan for tomorrow, Moor Investment Services are able to help you.
We understand that our clients are not all the same. That is why we always treat our clients individually, offering bespoke solutions to your unique set of circumstances and goals. Many of our clients tell us that we are very different from other financial advisers and wealth managers and we believe that this is, in part, due to our clear commitment to fully understanding your financial goals and an ongoing obligation to building on our relationship in order to achieve your specific objectives.
We believe it is important to have a structured approach towards developing a successful financial planning strategy and we follow a process aimed at achieving the best possible outcome for our clients in the most efficient manner possible. We aim to deliver a suitable solution that matches your individual needs, attitude to risk, tolerance for loss, timeline knowledge and experience. The key to our advice process are six essential elements:
- Ongoing Review
Looking for some friendly financial advice?
If you're looking for independent financial advice to help meet your current needs and future aspirations then we're always happy to discuss how we could help you.
Independent financial advice from a friendly, local IFA you can trust
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What Our Clients Say
Richard has always taken the time and trouble to listen to my specific investment needs and I have been extremely grateful that he is, unlike most IFA's, not sales motivated.
Cooden, East Sussex
I have known Richard and Jane Moor for over 20years and would highly recommend them for all your financial needs. Two very discreet and trustworthy people. You will never be disappointed.
Richard and Jane were introduced to ourselves by our accountant to assist with pension planning. Their approach from the onset has been personal, yet totally professional throughout and we are delighted with the ongoing financial service they provide, leaving us confident to enjoy our retirement.
D.P. & M.S.
Richard at Moor Investment Services has been our financial adviser for a number of years. He has provided input on pension planning and given us investment advice. He has recommended thoroughly researched solutions which have proved invaluable.
D.G. & H.A.
Although our investment with Moor Investment Services Ltd is a small one, for us it has been a comfort to have a personal review each year with Richard. As we have no knowledge of the financial world, investing in this way means we do not have to worry about it.
Mr & Mrs. G.
Whatever your financial circumstances you can be assured of excellent, well researched advice from Richard and Jane. They are both highly experienced and knowledgeable but can explain things in 'layman's terms' if necessary and they are always friendly and personable.
Now that my husband is in a nursing home, your help with the financial side has been extremely welcome. I might add that the money that has funded his care is as a direct result of how our money was invested in the past from your excellent advice and skill.
Tunbridge Wells, Kent
Over a number of years Richard Moor has been my pension advisor. During this period he has provided me with accurate and independent advice, which has been very beneficial to my pension fund.
Mr. S.P. Cronan
Abaco Creative Consultancy
Moor Investment Services Ltd provided me with an extremely professional service, making the necessary effort to understand my personal and financial circumstances and combine this approach with a respect of privacy and lack of intrusiveness.
Hastings, East Sussex
Richard has taken all my financial worries away. No hours pouring over that tax return. I look forward to his visits, a cup of coffee, good advice - all sorted!
Tunbridge Wells, Kent