Investment & Savings
Targeted planning for individuals, Trustees and companies seeking either to grow their pot or take regular withdrawals from it, or both.
Choices include stocks and shares ISA through Investment Bonds and General Investment Accounts to tax-efficient strategies such as Enterprise Investment Schemes (EIS’s) and Venture Capital Trusts (VCT’s). Avoiding tax and matching your Attitude to Risk are always high priorities, as well as penalty-free access at any time.
EIS’s and VCT’s investments are high risk products, not suitable for the majority of retail investors. Investments carry risk. The value of your investment (and any income from them) can go down as well as up, and you may not get back the full amount you invested.
Life Assurance; Critical Illness Cover; Mortgage Protection; Income Protection; Family Income Benefit.
Protection policies provide safety nets against unexpected events that might otherwise prove financially disastrous.
Benefits are usually tax-free, paid as a lump sum or income, and can be tailored to your specific needs.
Protection plans typically have no cash in value at any time, and cover will cease at the end of the term. If premiums stop, then cover will lapse.
Inheritance Tax Mitigation
Often described as a voluntary tax, there are legitimate, risk-free ways to avoid IHT reducing the value of your estate received by beneficiaries. Careful use of the Nil Rate Band and Residence Nil Rate Band can result in up to £1 million passing down to direct descendants free from IHT.
Some types of lump sum investment are designed to be IHT-efficient, and a life policy can also be used.
The Financial Conduct Authority does not regulate Inheritance Tax Advice and Estate Planning.
Group Protection Policies
Key Man Cover: Protects businesses financially if a key individual within the business dies or can no longer act in any capacity.
Partnership and Director Share Cover: This type of policy helps businesses continue on the death of a shareholder (or a Partner)
Group Life: Also known as death in service benefit, which an employer may offer to their staff
Mortgages play a crucial role in most people’s lives, so it’s essential to find the most cost-effective options and keep them under review. We can source from the whole of the market. Please click on the link to see our separate, dedicated website for more details of all types of mortgages.
*Commercial mortgages are available by referral to our trusted partners.
Your home maybe repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate Commercial Mortgages.
Personal and Company Pensions, plus all the latest options for income and lump sums, both tax-free and taxable.
Pension planning is crucial for securing a comfortable retirement, ensuring financial stability, and maintaining your desired lifestyle during your golden years.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Workplace pensions are regulated by The Pensions Regulator..
Lifetime Mortgages enable homeowners aged 55 and above to access some of the value built up in their home, without having to move. Proceeds are drawn tax-free, you retain ownership of your home and repayments are not necessary until such time as you move into long-term care permanently or pass away.
Equity Release will reduce the value of your estate and can affect your eligibility for means tested state benefits.
Care Fee Planning
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Lighthouse Platinum Wealth Management Ltd is an appointed representative of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Lighthouse Platinum Wealth Management Ltd is entered on the Financial Services register (www.fca.org.uk/register) under reference number 214128.
Registered Address: Unit 4 Brightwell Barns, Waldringfield Road, Brightwell, Ipswich, IP10 0BJ. Registered in England & Wales, No: 04235587.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
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