After working hard their whole lives, our clients have finally retired. They are both in good health and want to continue to live comfortably, retaining access to their money as far as possible while they are still able to make use of it, and they are still keen to get a good level of return from it. However, they do not want to leave their children with a high Inheritance Tax Bill, and they are keen to pass on as much as they can to them.
They love holidays and are often away, so it is essential that things can be managed for them even when they’re not in the country.
We are working together on an ongoing planning exercise to address all of the above.
We have already significantly reduced their Inheritance Tax liability with minimal impact on their lifestyle, they still have access to significant amounts of capital. They make full use of our Discretionary Management capabilities, so we look after their portfolio for them within their chosen risk approach and make appropriate changes whether they are at home or away.
When they’re back, we regularly catch up to ensure everything is still on course, making other changes as their circumstances and needs require.
Most importantly, they are able to focus on enjoying their retirement rather than worrying about their finances.
People buy from people, and people like buying from people they like!
Smith & Pinching have that special knack of employing very amiable people who are experts in their field and are a pleasure to deal with.
After being a very happy customer for more than 30 years, I cannot recommend them highly enough.
I am extremely grateful to Smith & Pinching for the wonderful service they provide.
They sorted out a mortgage for us on a complicated house purchase in a very efficient, friendly and calm way.
I have had several meetings with Hazel to discuss transferring my Defined Benefit into a SIPP.
She is extremely knowledgeable and was incredibly helpful and pro-active helping me make the right decision for me.
I would have no hesitation in recommending Hazel.