Orchard Independent Financial Advice

We offer a comprehensive range of mortgages from across the marketplace to meet an array of needs and criteria: for Company Directors, employees, self-employed, and buy-to-let mortgages for private landlords.

Having assessed your needs and circumstances we will recommend the most appropriate mortgage for you.

Your home may be repossessed if you do not maintain your mortgage payments.

Would you like HM Revenue & Customs (HMRC) to be the biggest single beneficiary of your estate when you die?

Without the right legal advice and careful financial planning, Inheritance Tax (IHT) can have a significant impact on a relatively modest estate.

Prudent and sensible financial planning can help you legitimately mitigate or eliminate your potential Inheritance Tax liability, making sure that your money continues to work for you while you are alive and that goes where you want it to when you die.

At Orchard, we make use of Trusts and have access to specialist Trust practitioners that enable us to create bespoke Inheritance Tax planning solutions.

The earlier that you think about retirement planning, the greater your options will be by the time that you wish to start taking your retirement benefits.

Pensions still remain highly tax efficient and offer tax relief at your highest rate of tax on your contribution. We can arrange a pension for  company directors, business owners and individuals. We will look to maximise the allowances available while helping you build for a comfortable retirement.

Few People would want to rely solely on the state pension to provide a comfortable standard of living in retirement. Now is the time to use your savings, investments and pensions to replace your income so that you can now enjoy your retirement.

This can be done by using your pension fund to purchase an annuity, securing you an income for life, no matter how long you live.

Alternatively, flexi-access drawdown allows you to take an income from your retirement fund rather than buying an annuity, we will explain the risks involved and assess whether this is appropriate for your circumstances.

Furthermore, we can advise you on how to use your savings and investments to provide you with a tax efficient income in retirement,

At Orchard, we will create a bespoke plan to provide your retirement income.

Wealth Management is not only making sure your investments are performing properly, it is making sure that the tax wrappers your investments are placed within match your chosen lifestyle and level of risk.

Designing a wealth management strategy should incorporate a review of taxation on an ongoing basis. It is important that a cohesive plan is adopted which ensures that all available allowances are utilised including independent taxation, personal allowances, and Capital Gains Tax allowance. Furthermore, “income” should where possible come from assets that have favourable tax treatment or alternatively where the receipt of regular payments can be managed to mitigate Income Tax liabilites.

Life Assurance, Critical Illness and Income Replacement are the foundation around which financial planning is based. It is all well and good to plan for the future, however should the future arrive sooner than you anticipate, it is important to ensure that long term plans will not be disrupted by sudden events.

Proper planning will ensure that should the worst occur, there would be sufficient protection for you and your family which ensures that, in the event of premature death, accident, illness or disability you and your family will be able to maintain your standard of living.

Tax planning is not just about Income Tax. Tax is a key element of financial advice and is at the heart of nearly all financial planning decisions.

At Orchard we endeavour to structure your pensions, savings, investments, and life assurance products in a way that best suits your needs and circumstances.

We will research, recommend and arrange suitable products and services for your needs and circumstances from the whole of the market. Any recommendations that are made by us is unique to you and your own personal situation.

We will structure a portfolio of savings, investments and pensions that utilises different tax regimes to optimise the return on your investment whether it is for income or capital appreciation.