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Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
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Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms...All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
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Adequate business insurance is therefore not a luxury - it is an absolute necessity.
These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions...We all have goals, dreams, ambitions for the future, for ourselves and our families, but how do we achieve them?
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Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.
You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad...This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive in a very competitive marketplace. It may also be the case that a property may be underinsured, due to decoration, extension or the increase in house prices.
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In addition to home insurance, we can also provide access to cover for accident, sickness and unemployment.
General insurance is important for your peace of mind.Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
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Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
However, there are a number of other types...The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
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It can provide the reassurance of financial protection for you, your family and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially...Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?
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We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
Since 2007 the Credit Crunch has had an effect on the number of mortgage providers available in the UK and has caused...If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.
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There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you.When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance, you need to provide yourself with a secure income for the rest of your life.
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A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.
A pension plan requires action as soon as possible, so start now - and if you have already started, take the opportunity to have a closer look...Often, people save for a specific reason and it's usually the safest way to build up a pot of money.
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It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.
There are many different ways to save, but whichever way you choose, the general idea is the same: to build up some money - savings - that can be used, for example, to make a large purchase...Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.
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Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.
An expert will be able to help you plan your taxes in advance, and come up with effective strategies that will use the lawful reliefs and allowances to minimise the amount you have to pay. - Testimonials
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Introduction to Wealth Management
We provide a wealth management advice service designed to help you build and sustain your wealth, and protect your assets by minimising any risks, such as your taxation payments. Based in Cambridge, Suffolk and Essex, we have experience providing reliable wealth management services to clients all over the UK.
What Is Wealth Management?
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample assets to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep at night, but the unidentified risks are a far greater threat to your wealth than tax. While tax may threaten a proportion of your wealth, poorly-identified risks can destroy it all.
Risk aversion starts with asking oneself a few questions such as:
- Is my job secure?
- What happens if my employer goes bust?
- How secure are my investments?
- What happens if a company I have invested in collapses or is unable to meet its obligations?
- Is my occupational pension safe?
- What happens if an elderly relative has to go into residential care?
- What happens if I divorce?
- Do I have enough insurance?
This is just a start and you will no doubt identify others. It may not be the most motivational task but if you work through the implications of your questions and attach a probability to them, it can help clarify the issues and will form the basis of your risk aversion plan.
Our service is all about helping you with professional wealth management advice to create, build and protect your wealth and minimise your tax liability in a wealth preservation plan which we will develop and monitor over a long-term, on-going relationship.
TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.
TAX PLANNING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.
THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
If you’re looking for a reliable wealth management adviser, consider visiting our offices in Cambridge, Suffolk or Essex. Where we can provide an expert wealth management advice service designed to suit your individual circumstances. Visit our office or contact us on 01223 365 340 for more information.
Related Topics
Other Areas of Expertise
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Health Insurance
Health Insurance is probably one of the most important types of insurance you ca
Read More... -
Business Insurance
All businesses are exposed to risks in their day-to-day operations. Without busi
Read More... -
Retirement Planning
When you retire you still need food and shelter as an absolute minimum, but of c
Read More... -
General Insurance
This is an area of financial planning that is often overlooked. Traditionally, w
Read More... -
Life Assurance
The main purpose of Life Assurance is to provide money for those people who may
Read More... -
Pensions
Do you fancy the idea of living on a little over £115 per week when you retire?
Read More... -
Mortgages
Your mortgage is probably the largest financial transaction and commitment you a
Read More... -
Taxation
Most of us face being taxed on our income, our capital gains, and in some circum
Read More... -
Savings & Investmen..
Often, people save for a specific reason and it's usually the safest way to buil
Read More... -
Equity Release
There is a range of equity release schemes available on the market offered by re
Read More...
Matrix Financial Limited is authorised and regulated by the Financial Conduct Authority.
Matrix Financial Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 577053.
Registered in England and Wales under Company Number 7905019.
Registered office at Tofino House, 32 Newmarket Road, Cambridge CB5 8DT.
The FCA do not regulate National savings products, loans, Will writing and some forms of mortgage, offshore funds and inheritance tax planning.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Complaints
If you wish to register a complaint, please contact us either in writing at: Matrix Financial Limited, Tofino House, 32 Newmarket Road, Cambridge, Cambridgeshire, CB5 8DT or by phone 01223 365340.
A summary of our internal complaints handling procedures is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
Client Testimonials
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Christopher Murphy, Director, Physio UK Ltd, Epsom
I have had the pleasure of working with Kelvin and Matrix Financial for the past 5 years. My initial enquiry was with respect to investments and planning my retirement. Kelvin handled that seamlessly and has continued to update me, check in and make sure the plans I am in are working as best as possible. In addition, further requests regarding a new mortgage were dealt with in the same extremely efficient and friendly manner. There is never any chasing, it all just seems to magically happen, brilliant!
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David LLB, London
I have been a client of Matrix Financial for many years now. They have provided me with expert financial planning and investment advice, helped with obtaining mortgages (both personal and buy-to-lets), and have arranged my affairs in the most tax efficient way. I have been working abroad for most of the last 25 years, and left my financial affairs to Matrix. I was most pleasantly surprised to return and find everything in order. Matrix has provided me with quick, friendly, efficient and effective service over the years, I have no hesitation in recommending them to others.
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Gillian Trier, Yorkshire
I feel I have been extremely fortunate in having the benefit of the services of Kelvin, Matrix Financial, for around the past 22 years. Since my early days he has offered sound advice about planning finances to meet lifestyle choices, financial obligations and retirement funding. He has on three occasions advised on and progressed mortgage funding to suit my particular financial requirements for home extensions and one recent purchase. He continues to monitor my investments and advise on any advantageous or necessary changes from which I benefit both financially and through peace of mind.
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TJ Salih Chartered Physiotherapist, Back2normal, London
I have used the services of Matrix Financial for over 10 years for mortgages, pension planning, protection and investments for myself and my family and have been amazed by the service that I have received; so much so that I recommend Matrix Financial to everyone I know who may need any financial services. Whenever I have a query, I receive a prompt reply via email or telephone, and often the query is answered immediately. I plan to continue to use Matrix Financial for the foreseeable future.
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T.Webb, Dorset
Matrix financial have been my advisers for 11 years during which time I have found their dedication to providing sound financial advice and investment market awareness, excellent. I have been particularly pleased with the retirement planning where a guaranteed income route was recommended ensuring that, despite the recessionary times of 2008/09, my fund values achieved growth and my retirement income has been maintained.
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P K Jones, Spain
I am expatriate, now resident in Spain, since 2000. Matrix Financial has provided investment advice and managed my portfolio successfully and appropriate to my risk levels, ensuring that my income levels have been maintained. Their regular review service is both important and valuable. I have recommended Kelvin and Matrix Financial to many of my friends and will contiue to do so.
Contact Us
Matrix Financial Limited
No.2,
Cobble Yard
Cambridge
Cambridgeshire
CB1 1HP
T: 01223 365340
Email : Email Us