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Optimising your wealth

Pension Planning

With increased health and life expectancy, preparing for your future has never been more important. Avoca can explain the complicated world of pensions and help you decide when you want to retire, what you plan to do in retirement and how much income you will need.

We take the time to understand your circumstances and review your existing pension arrangements. We can then guide you through the various options and create a plan that is unique to you.

Savings and investments

We will start the process by understanding your investment goals and discussing your attitude to risk. We will then create a plan that fits your own circumstances and explain the various types of investments. Avoca uses market-leading technology and research to give you access to portfolio’s that match your attitude to risk. 

Tax is a key consideration; we are here to make sure you are making the most of the reliefs and allowances available and to ensure that your investments are held in the most tax-efficient wrapper – like ISAs and Investment Bonds.

Estate Planning

Estate Planning is much more than paying Inheritance tax on death.   At Avoca, we take the time to understand what legacy you want to leave your loved ones. We can help you plan to make sure that HMRC is not the biggest beneficiary when you die. 

We can discuss all your options from trusts, insurance, and making gifts as part of your overall financial plan.

Financial Protection

At Avoca we understand the importance of financial protection, that is why we include it at the core of our initial meeting. We will help you understand how ill health or death can impact your family going forward. We will explain the various options and provide a protection solution that is tailored to your circumstances.

We also help with Business Protection should anything happen to the key people in the business.  We specialise in Shareholder, partnership and key person protection and can build them into a protection solution depending on your business needs

Bespoke Services

If none of the above services quite fit what you were looking for please get in touch so we can discuss your needs. We are happy to put together a bespoke package to specifically target your needs.