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Apr 05

Project Overview

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Pellentesque aliquet lectus eget augue pretium tempor. Pellentesque varius, odio nec accumsan egestas, ante mauris elementum libero, id gravida sapien nisl tincidunt lacus. Duis sodales, ex eget bibendum placerat, purus erat eleifend metus, eget ultricies dui magna eget enim. Morbi vitae justo a lacus molestie finibus at sit amet velit.

Suspendisse finibus ipsum facilisis velit congue, quis fermentum massa rhoncus. Fusce eget augue blandit, tristique sem nec, fermentum mi. Duis dolor nisi, tempor vitae varius sed, condimentum semper nibh. Integer aliquam imperdiet ultrices. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Proin sit amet pretium eros. Cras mollis molestie sapien. Ut eu nulla a risus accumsan molestie.

Project details

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
Apr 05

Project Overview

Donec vel ligula vel felis venenatis eleifend at ac lacus. Fusce aliquam dolor eget eros euismod dignissim. Sed sed hendrerit ipsum. Pellentesque sed felis sit amet lorem blandit facilisis et ac nisl. Integer varius vulputate tincidunt. Donec eleifend vitae odio nec faucibus. Vivamus lobortis egestas metus, at condimentum dolor convallis.

Pellentesque aliquet lectus eget augue pretium tempor. Pellentesque varius, odio nec accumsan egestas, ante mauris elementum libero, id gravida sapien nisl tincidunt lacus. Duis sodales, ex eget bibendum placerat, purus erat eleifend metus, eget ultricies dui magna eget enim. Morbi vitae justo a lacus molestie finibus at sit amet velit.

Suspendisse finibus ipsum facilisis velit congue, quis fermentum massa rhoncus. Fusce eget augue blandit, tristique sem nec, fermentum mi. Duis dolor nisi, tempor vitae varius sed, condimentum semper nibh. Integer aliquam imperdiet ultrices. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Proin sit amet pretium eros. Cras mollis molestie sapien. Ut eu nulla a risus accumsan molestie.

Project details

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
Apr 05

Project Overview

Donec vel ligula vel felis venenatis eleifend at ac lacus. Fusce aliquam dolor eget eros euismod dignissim. Sed sed hendrerit ipsum. Pellentesque sed felis sit amet lorem blandit facilisis et ac nisl. Integer varius vulputate tincidunt. Donec eleifend vitae odio nec faucibus. Vivamus lobortis egestas metus, at condimentum dolor convallis.

Pellentesque aliquet lectus eget augue pretium tempor. Pellentesque varius, odio nec accumsan egestas, ante mauris elementum libero, id gravida sapien nisl tincidunt lacus. Duis sodales, ex eget bibendum placerat, purus erat eleifend metus, eget ultricies dui magna eget enim. Morbi vitae justo a lacus molestie finibus at sit amet velit.

Suspendisse finibus ipsum facilisis velit congue, quis fermentum massa rhoncus. Fusce eget augue blandit, tristique sem nec, fermentum mi. Duis dolor nisi, tempor vitae varius sed, condimentum semper nibh. Integer aliquam imperdiet ultrices. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Proin sit amet pretium eros. Cras mollis molestie sapien. Ut eu nulla a risus accumsan molestie.

Project details

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
Apr 05

Project Overview

Donec vel ligula vel felis venenatis eleifend at ac lacus. Fusce aliquam dolor eget eros euismod dignissim. Sed sed hendrerit ipsum. Pellentesque sed felis sit amet lorem blandit facilisis et ac nisl. Integer varius vulputate tincidunt. Donec eleifend vitae odio nec faucibus. Vivamus lobortis egestas metus, at condimentum dolor convallis.

Pellentesque aliquet lectus eget augue pretium tempor. Pellentesque varius, odio nec accumsan egestas, ante mauris elementum libero, id gravida sapien nisl tincidunt lacus. Duis sodales, ex eget bibendum placerat, purus erat eleifend metus, eget ultricies dui magna eget enim. Morbi vitae justo a lacus molestie finibus at sit amet velit.

Suspendisse finibus ipsum facilisis velit congue, quis fermentum massa rhoncus. Fusce eget augue blandit, tristique sem nec, fermentum mi. Duis dolor nisi, tempor vitae varius sed, condimentum semper nibh. Integer aliquam imperdiet ultrices. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Proin sit amet pretium eros. Cras mollis molestie sapien. Ut eu nulla a risus accumsan molestie.

Project details

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
Apr 05

Estate Planning

Estate Planning is one of, if not the most involved process I deal with for my clients and involves more than just putting an effective Will in place. Estate Planning includes the use of sophisticated and legal mechanisms to reduce your liability to estate taxes on your death. Far too many people neglect this element of their financial planning and fall foul of the taxman even after they have passed away. Up to 40% of your entire estate could be forced to one side to cover estate taxes, especially if your spouse is non-uk Domiciled - by birth. 

Estate planning involves determining how an individual’s assets will be preserved, managed, and distributed after death. It also takes into account the management of an individual’s properties and financial obligations in the event that they become incapacitated.

Assets that could make up an individual’s estate include houses, cars, stocks, artwork, life insurance, pensions, and debt. Individuals have various reasons for planning an estate, such as preserving family wealth, providing for a surviving spouse and children, funding children's or grandchildren’s education, or leaving their legacy behind to a charitable cause. 

Many of my clients came to me thinking that their Domicile has changed after a period of years, or that their overseas property was not included, their residence status meant they were immune to estate taxes, so many reasons that they felt that they were safe and had avoided the taxman. Sadly none of these is true and there are a myriad of ways to fall foul of estate taxes and only a fully comprehensive and honest review of your situation will do. On the bright side, there are many ways to mitigate if not completely irradicate any liability to inheritance tax and other estate taxes both in the UK and around the world and put the right money, in the right hands at the right time. 

 

Estate planning

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
Apr 05

Family & Business Protection

Protection is just another name for Life Insurance whether it pertains to an individual, a family or a business. It is the cornerstone of everything a good financial adviser will do for their client. If somebody has no life cover I would bet they needed it and, if they had some life cover I would bet they needed more than they have. Very rarely do I meet somebody with adequate life cover and although it can prove to be expensive depending on age and lifestyle, your widow, widower or business partners will think it was a sound investment. 

There are two basic types of Life Insurance. In the UK we call them Term Insurance and Whole of Life Insurance. Term Insurance is basic, simple but almost always effective. You choose the number of years you want to be insured for (the term) and how much you want to be insured for. If you die within the term then the policy pays out. If the policy expires then the cover expires. There is no investment value and no reviews. Much like insuring a car. 

Whole of Life is different and although it says "whole of LIfe" they generally run until your 85th birthday. Each month you pay a premium which is calculated on your age and lifestyle; just like Term Insurance, but also it includes an investment element to provide a cash sum that's available at the end of the policy. Most people like this as they see it as "getting your money back" after paying premiums for so long. If you were to live until your 85th birthday then the cash fund is paid out and you can enjoy a small windfall. 

The amount of life cover a person or family requires is highly individual and varies drastically but we can determine your essential level of cover in a matter of minutes during an initial consultation. 

Both of the above are highly relevant for individuals and families but Term Insurance is mostly used for Business Protection. Business protection or " Key Person Cover" is a great tool for protecting a business and its "Key People". For example, in my own business, I have various clients that require looking after when I am dead. To employ a person or company to migrate my client base to other advisers takes time and money. A small Term Assurance policy takes care of that issue. I know I will retire by the time I am 70 and so the policy runs until that time. If I die beforehand the policy pays out and those funds are used according to my instructions. Those being to pay a solicitor and another adviser to assist my clients in moving to somebody else. 

Another example would be that if I had a business partner and one of us died, then various challenges arise. Firstly I must replace that person and divert time to assist their clients or manage their department. One other potential problem is who inherited their part of the company? In other words, am I now in business with their spouse? Being able to draw upon a lump sum of money and to use that to "buy out" their spouse or their estate would be a huge benefit to a small or mid-size business. 

It can take some time to determine the right level of protection for a business but the process is worth it. All the key business people I have helped state that once they realised the potential pitfalls of not having cover, they sleep more soundly knowing it's now in place. 

Protection ideas

  • Family Protection
  • Business Protection
  • Mortgage/debt protection
  • Estate Planning
  • Spousal retirement income
Apr 05

Project Overview

Donec vel ligula vel felis venenatis eleifend at ac lacus. Fusce aliquam dolor eget eros euismod dignissim. Sed sed hendrerit ipsum. Pellentesque sed felis sit amet lorem blandit facilisis et ac nisl. Integer varius vulputate tincidunt. Donec eleifend vitae odio nec faucibus. Vivamus lobortis egestas metus, at condimentum dolor convallis.

Pellentesque aliquet lectus eget augue pretium tempor. Pellentesque varius, odio nec accumsan egestas, ante mauris elementum libero, id gravida sapien nisl tincidunt lacus. Duis sodales, ex eget bibendum placerat, purus erat eleifend metus, eget ultricies dui magna eget enim. Morbi vitae justo a lacus molestie finibus at sit amet velit.

Suspendisse finibus ipsum facilisis velit congue, quis fermentum massa rhoncus. Fusce eget augue blandit, tristique sem nec, fermentum mi. Duis dolor nisi, tempor vitae varius sed, condimentum semper nibh. Integer aliquam imperdiet ultrices. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Proin sit amet pretium eros. Cras mollis molestie sapien. Ut eu nulla a risus accumsan molestie.

Project details

  • Client:Intearch
  • Location: Los Angeles, USA
  • year completed:Nov 2018
  • Category: Commercial
  • value:$30,000
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