Independent Financial Advice

At SFA Independent Financial Advisers, we provide comprehensive financial planning services for both private and corporate clients. Whether they are saving for their, school fees, first property, taking drawdown from their retirement funds or focusing on growing and protecting their business.

With School fees rising faster than the rate of inflation, it can present financial challenges for parents who want to educate their children privately.

Whether you are saving for a specific goal like school fees or your own retirement, or just hoping to put away money for your family, SFA Independent Financial Advisers can help your put a plan together to help with reaching those goals.

We can help you to structure your savings, advise on when and how to spend your pension to take advantage of any tax breaks. We can also help to ensure that your family do not lose out to inheritance tax when you are gone, so you can pass on your wealth to the next generation.

Talk to us today, we would love to hear from you. Taking professional independent financial advice can help you plan effectively for the years which lie ahead.

Business Advice

Corporate financial planning is far more than arranging employee benefits and pensions. It is making certain you have taken all the right measures to be in the most suitable position to achieve your business goals, grow your business, and take the necessary steps to protect your business.

The Financial Conduct Authority does not regulate tax planning and some types of employee benefits (i.e. Auto-Enrolment in a workplace pension).

The pensions regulator is the statutory regulator for workplace pensions. Auto Enrolment is not regulated by the Financial Conduct Authority.

Business Protection

If you own your own business, you will need to consider what might happen if you or a key employee became ill and were unable to work? Or if you or a key employee died? Business Protection can ensure your company can continue to operate no matter what eventualities may occur.

The plan will have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then the cover will lapse.

Policies may not cover all definitions of critical illness. For definitions, please refer to the key features and policy documents.

Employee Benefits

Looking after your employees will assist you in both recruiting and retaining high calibre members of staff. We invest time in getting to know your business goals in order to advise you on the most suitable employee benefits that will fit together with your business plans.

Solutions could include: Flexible Benefits, Pensions, Death in Service Compensation, Group Income Protection Insurance, Group Critical Illness Cover or Group Private Medical Insurance.

We would be happy to recommend suitable plans for you and your employees either for a range of benefits or focusing on a specific area.

The policy may not cover all definitions of critical illness. For definitions, please refer to the key features and policy documents.

Directors' Pensions

Pensions remain one of the most tax-efficient ways for business owners and company directors to save for their retirement.

Also company contributions will normally receive Corporation Tax relief.

A pension can be a way of extracting business profits tax-efficiently for the benefit of a director or business owner.

This will grow free from most taxation and provides a tax-free lump sum and an income afterwards, on retirement or when you take benefits.

A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Corporate Investment

Advice that helps you achieve your business goals

A good corporate investment strategy can assist you in protecting your interests - commercial and personal - for the long term; maximising investment opportunities and capitalising on optimised management of your revenue streams.

We can help you with making investments to achieve either personal or business objectives and can offer corporate investment advice on a range of subjects - from pensions to long term pension planning.

Come and talk to us about how we can provide advice tailored to your business circumstances.

The value of investments and income from them may go down. You may not get back the original amount invested.