Our services

We value every client, whether you are an individual or a company director, and our approach always begins with attentive listening. Our primary focus is to foster trust and develop long-term relationships, ensuring that you never feel pressured to accept our advice until you are fully prepared. Working with us offers significant advantages, including financial security, peace of mind, and a well-defined path towards achieving your desired goals.

Financial Planning

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Retirement Planning

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Tax Planning

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Protection

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financial planning

• Research and organise

• Align to your goals

• Implement and monitor

Our approach to managing your wealth – investments, financial planning and tax management, is based on the principles of diversification and asset allocation. Our aim is to provide the optimum investment return within risk parameters which are acceptable to you.  

To manage your wealth, we need a clear view of your financial position. We look at how your wealth is currently managed  how we can improve things – and create an updated management plan from there.  

retirement planning

• Define your future

• Consolidate your assets

• Agree the way forward

Planning for your retirement, whether it’s just a year away or two decades in the future, can often seem overwhelming. With advancements in healthcare and longer life expectancies, retirement can now span over 20 years, making it crucial to ensure that your quality of life improves during this phase rather than declines. To guarantee your long-term financial security, it’s essential that every penny of your pension works diligently.

In today’s dynamic landscape, achieving this requires a proactive and innovative approach. Throughout a person’s lifetime, it’s common to accumulate multiple pension pots from various jobs, leading to confusion about how best to consolidate them. Pension planning is one of the most intricate aspects of financial management in the UK, often making it difficult to navigate through the complexities. Our commitment is to always provide clear explanations about your pension situation and investment strategies using plain language, empowering you to make well-informed decisions.

At AAF Financial, our dedicated financial planners are here to guide you through the intricacies of retirement planning, offering peace of mind and the confidence that your retirement years will be both enjoyable and affordable. We begin by truly understanding you—your unique circumstances, values, and goals. Based on this knowledge, we carefully recommend investments tailored to your risk profile, collaborating with you to create a data-driven financial plan for your future.

tax planning

• Tax advisory service

• Pension tax planning

• Inheritance tax planning

A full range of tax planning services are available from our trusted partners

Many top-rate taxpayers are actually paying more tax than they need to, missing out on higher rate pension tax relief and not taking steps to reduce inheritance tax. Our trusted tax partners can help you keep up with the intricacies of the UK Tax system. Our financial planners can help you identify the optimal structure to help you grow, preserve and pass on your wealth to future generations of your family.

Tax Return Completion
Preparation and submission of personal tax returns and tax overpayment claims.

Property Sale Returns
Preparation and submission of capital gains tax returns on the sale of properties.

Undisclosed Tax Settlements
Handling submissions under HMRC settlement schemes such as Let Property Campaign (for undisclosed rental income) and Worldwide Disclosure Facility (for undisclosed foreign income/ Pension Tax Planning, Pension annual allowance calculations and pension charge mitigation.

HMRC Enquiries
Assistance and guidance for UK tax enquiries and investigations.

Moving to the UK
Preparation of a tax report advising on the tax implications of a move to the UK including residence issues and tax planning opportunities.

Leaving the UK
Preparation of a tax report advising on the tax implications of leaving the UK including residence issues and tax planning opportunities.

Tax Advisory Services
Tax planning and advice focused on minimising UK income tax and capital gains tax liabilities.

Pension Tax Planning Services
Pension annual allowance calculations and pension charge mitigation.

protection

• Measuring your risk

• Product selection

• Implementation

Financial protection products play a vital role in safeguarding individuals and their families from unforeseen circumstances and potential financial hardships. These products provide a crucial safety net, offering peace of mind and financial security during challenging times.

Income Protection Insurance
Offers cover in the event of an individual’s inability to work due to an injury or illness. The insurance provides a replacement income, ensuring that essential financial commitments can still be met, such as mortgage payments, bills, and medical expenses.

Critical Illness Insurance
Designed to provide a lump sum payment if the policyholder is diagnosed with a specified critical illness, such as cancer, heart disease, or stroke. This financial support can help cover medical treatments, rehabilitation costs, and any necessary lifestyle adjustments during the recovery period.

Life insurance policies
Finally, if you have dependents, life insurance is a must. A financial protection product that will pay out a lump sum on your death; no one wants to think about passing away, but extra cover life insurance can provide you with peace of mind. It can provide financial security for loved ones during an already difficult time. It could ensure they’re able to pay the mortgage, meet school fees, retirement income and provide the financial security to take time away from work if needed.

Overall, financial protection products offer individuals and families a layer of security against unforeseen events that could significantly impact their financial well-being. By providing financial support during difficult times, these products help individuals focus on recovery, maintain their quality of life, and protect their loved ones from financial strain.

Contact us to discuss how we can help...