Wealth Management With Independent Financial Advisers — Joseph Zaja

 Independent Financial Advisers offer advice on how to manage your wealth or simply put; what to do with your money. Areas that financial advisers tend to concentrate on include the following:

Pension Advice

Joseph Zaja, With the economy as it is and with banks and financial institutions after every penny, you have what are we meant to do when we retire? This is exactly the time that independent advisers could clarify and simplify things for you. They can help you choose the right investment solution and to make sure your solution is monitored and ready for you when you retire.

Retirement Planning

Related to pension advice, retirement planning is available to make sure the correct steps are taken when deciding to take retirement and this could mean answering questions like; should I take tax-free cash or not or how to minimize income tax during retirement. There are many options that we, the general public are aware of and many institutions don't like us knowing about. Don't leave it until the last minute; start planning to avoid problems later on.

Inheritance Tax Planning

Currently paid at a rate of 40% on any estate above £300,000 and will extra allowances available to couples. According to Joseph Zaja, a complex matter independent financial advisers can make sure you retain as much of your inheritance that is legally possible. This could include tactics like offering Lifetime gifts to individuals or into a trust and even investing in business assets.

Financial Advice for Businesses

Moving swiftly on to business, in the unfortunate case of a partner passing away we find many business partners are without protection and suddenly become business partners with the beneficiaries of the will. Make sure you give yourself the option of choosing and putting things right before you start to lose assets.