At Clarkson Wayman Ball Limited we put our clients at the heart of everything we do. Through our focus on quality and people development you can be sure that you will receive first class impartial advice and guidance across a wide range of financial matters. Our business is built around a core set of values that all members of our team are fully bought into.

Before we can offer you any advice on your financial situation we will spend time with you to build a clear understanding of your personal aims, your objectives and any concerns that you might have.

We offer a wide range of advice covering all life stages from pre family to post retirement. Our areas of advice are broadly broken into 4 key categories. These are:

Protecting you and your family

During your working life we aim to maximise and protect you and your wealth through a range of protection products and investments. At the heart of our advice is the desire to offer you peace of mind that, should the unexpected occur, you have adequate cover in place to see you through a particular situation.

This may include ensuring you have adequate levels of life assurance, critical illness cover, and Private Medical insurance. Also, we will look to protect income and capital that you have. This can include deferring capital gains, inheritance tax and income tax and in some cases, remove a large amount of your assets from your estate.

Wealth accumulation

Investing in the right investments, at the right time is of paramount importance in achieving wealth accumulation. However, this needs to be considered in light of your short, medium and long term needs and your overall attitude towards investing.

Our portfolio planning approach aims to consider your complete picture and not individual investments in isolation. We aim to be proactive with our clients, updating you and agreeing changes to the structure of your portfolio where appropriate to meet your changing needs.

Whether you are investing a lump sum or saving on a regular basis for a specific event such as school or university fees, we will tailor a solution to meet your objectives.

The value of investments and income from them can fluctuate (this may partially be the result of exchange rate fluctuations) and investors might not get back the full amount invested. Past performance is not a guide to future performance.

Pre and Post retirement

Clear planning on the run up to retirement can have a massive impact on your lifestyle going forward. We provide detailed pre and post retirement pensions advice.

We give guidance to enable you to choose the right type of pension plan appropriate to your circumstances and help you structure your choice of funds, reviewing these on an ongoing basis. Our aim is to help you to maximise your benefits at your retirement age. At the point of your actual retirement we would work with you to advise you on the best use of lump sum investments and how to divest the ongoing pension, whether through income withdrawal, phased retirement or, in the appropriate cases, purchasing an annuity to provide stability of income over retirement years.

The value of investments and income from them can fluctuate (this may partially be the result of exchange rate fluctuations) and investors might not get back the full amount invested. Past performance is not a guide to future performance.

Wealth Preservation

Whether you have received an inheritance or spent many years building your personal assets, protecting these from unnecessary future taxation is critical. The levels, bases and reliefs from taxation may be subject to change.

We work with highly skilled Will and Trust writers, to provide a whole solution to inheritance tax and succession planning. We can act as the central point of contact, bringing together the necessary skills and expertise to ensure that your wealth and the future wealth of your family are preserved.

The Financial Services Authority does not regulate Taxation and trust Advice and Will writing.

We also provide a number of solutions to funding risk through your life through protection products, such as life cover and can link these to investments, where appropriate.

For further information on individual products please click on those of interest listed below:

• Life assurance protection
• Critical Illness
• Income Protection
• Private Medical Insurance
• Savings schemes
• Lump sum Investments
• Tax and Trust planning
• Inheritance tax mitigation
• Pensions
• Will planning