Independent financial advice
in Nottingham & the East Midlands

Personal Pensions

Whether you are just beginning or approaching the end of your working life, Veracity Financial Planning can help you plan for your retirement.  If you want to enjoy your retirement, instead of spending your time worrying how you are going to pay the heating bills, you need to have money to live on, and the basic state pension may not be enough.  By saving in a personal pension, you will be adding to your retirement income.

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Business Pensions

If you run a small to medium sized business you need to keep focused on your customers and your industry. However, it is important to look after your employees and help them save for their retirement.  Employers face new pensions duties and we can simplify the process of pension auto-enrolment for you so you can look after your core business. 

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MORTGAGES

Your mortgage is one of the biggest financial decisions you will make, so selecting the right mortgage to finance the purchase or remortgage of your home is essential.  There are many different kinds of mortgages on the market and careful selection of the right mortgage could save you thousands of pounds.

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Investments

Making investment decisions to ensure that you make the best possible returns whilst ensuring those decisions are both sensible and secure is the realm of a financial adviser, together with regular updates, administration and reporting. Whether you are investing for growth or taking an income we will help and advise throughout.

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Personal Insurance

Life insurance, critical illness protection, income protection and private medical insurance can offer you peace of mind that should you face illness or death, you or your family will not have the added burden of worrying about money. 

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Business Insurance

Shareholder or Partnership Protection, Key Man Insurance and Relevant Life Insurances are technical Insurances aimed at ensuring either the value you have built up in your business goes to the right beneficiaries or ensures that your business continues to operate in all circumstances or that premiums paid are tax efficient business expenses. 

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Equity Release & Long Term Care

Equity release can be the right choice if you are asset rich and cash poor. The equity value in your property can rightly be considered part of your life savings, when otherwise you might struggle, by providing either a cash lump sum or a regular income, without you having to move home.

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Trusts & inheritance

In the event of your death you would want to maximise the value of the estate that passes to your loved ones.  Planning today could help you limit your inheritance tax liabilities in the future.  No inheritance tax is charged on the value of your estate up to £325,000, everything above that is taxed at 40%. 

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