Money Minder. The name says it all. We aim to help you to look after your money by providing you with the knowledge and choices to maintain and enhance your wealth. Some of our clients already have a reasonable knowledge of their financial situation, others are looking for explanations of technical issues that surround the financial services industry. We pride ourselves in taking out the jargon and explaining step by step your options and choices.
"We have no hesitation in recommending Money Minder as a reliable and competent firm. We have used them for many years and been totally satisfied. They have certainly improved our financial position and, by their appropriate advice, boosted our income. We can now look forward to retirement with confidence. We are so pleased that we had the good fortune to come across Ray Black and his team."
Mr and Mrs Carlsson
Wanting to make sure your assets are passed on in the best way possible means you might want to keep hold of an element of control when it comes to inheritance. For example you might want your money used towards paying for school or university fees or for a first property deposit. Intergenerational planning could benefit your plans as without appropriate provision, Inheritance Tax (IHT) could become payable on your taxable estate. From 6 April 2017, an additional ‘residence nil-rate band’ (RNRB) allowance was introduced.
This means you leave your interest in the family home to direct descendants (such as children, step-children and/or grandchildren) however only applies to your main home. The RNRB is being phased in gradually. For the 2018/19 tax year, the maximum additional allowance is £125,000. Other options to consider are, making a Will, lifetime gifts, setting up a trust and leaving a gift to charity could all be part of your plans. Seeking professional financial advice could help you to create future financial plans.
We offer the tools for you to take control of your own finances. Learn about and get quotes for protection products such as Life Insurance, Critical Illness, Mortgage Protection and Income Protection, or look into your retirment options with our Pensions Freedom tools.
Money Minder provides a wealth of financial advice, covering a wide range of requirements. Everyone has different goals and needs and this is why we are focused on providing a bespoke, personal and unbiased service. Speak to an adviser today and see how we can help you.
At Money Minder we believe in making your financial options clear and simple. We do this by complimenting our quality regulated advice with financial education to give you the reassurance that you are making the best financial decisions.