• invest up to £20,000 tax efficiently with an Individual Savings Account (ISA)

• select your preferences, invest in cash and/or stocks and shares

• build up a tax-free savings pot that can be used in anyway you see fit

• invest unlimited amounts with a General Investment Account (GIA)

• select the most appropriate portfolio based on an agreed level of risk

• flexible withdrawals

An Individual Savings Account (ISA) allows you to invest money each year tax efficiently, with any gains also being completely tax free. You could either save regularly or invest lump sums up to the maximum of £20,000 each tax year.

By combining this with flexible withdrawals, an ISA gives you the ability to build up a tax-free savings pot that can be used in any way you see fit. This could be saving for a rainy day or helping with retirement planning, and most things in between! An ISA also caters for the majority of investment preferences by being able to invest in cash and/or stocks and shares.

Should you have more than £20,000 to invest, you could also set up a General Investment Account (GIA) to run alongside your ISA. There are no tax advantages to investing in a GIA, but it does mean there are also no limits to how much you can invest each year.

With both an ISA and a GIA, you can put your money into a broad range of investments and we can help you select the most appropriate portfolio based on an agreed level of risk.

• convert your pension pot(s) into a retirement income

• obtain advice on pension options

• access recommendations for your most suitable strategy

• incorporate your needs and desires into your retirement plan

When approaching retirement, you have lots of decisions to make. Perhaps the most important of these is how to convert your pension pot (or pots) into a retirement income. Unless your pension scheme pays an income based on your salary once you retire (commonly called Final Salary Schemes), there are lots of options available. Deciding which one is right for you is not always straightforward and often more important than you might think.

By assessing your needs and desires for retirement, we can help you formulate a plan and recommend the most suitable strategy for your future income.

• ensure your income continues should you be unable to work through illness or injury

• protect your family or a mortgage with life insurance

• access help reviewing both you and your family’s requirements

• review your plans to ensure they remain appropriate to your needs

• obtain the most cost effective and appropriate solution

• receive help completing the necessary paperwork and any medical underwriting

The world of Personal insurance policies is vast. There are so many types that will protect not only yourself, but also your finances and family should the worst happen. When selecting policies, it is important to find the right balance – ensuring enough protection without over insuring or paying extra for things you may not need.

The wide range of polices and options available can be a veritable minefield. Our personal protection service has been designed to guide you through the process, as well as helping to find cost-effective solutions that are fit for purpose, both now and in the future.

As independent advisers, we are able to research the market and make recommendations for any of the following:

Life Insurance – whether to protect your family or a mortgage

Critical Illness – to provide a tax-free lump sum on diagnosis of a serious illness

Income Protection – to ensure you have a continued income should you be unable to work through illness or injury

Medical Insurance – allowing you to receive quick diagnosis and treatment for your medical needs

Our service includes:

• Working with you to review both you and your family’s requirements (taking into account any existing protection plans you may already have)
• Researching the market to obtain the most cost effective and appropriate solution
• Helping you to complete the necessary paperwork and assisting with any medical underwriting that may be needed.
• If necessary, agreeing a timescale to review your plans to ensure they remain appropriate to your needs.

• appoint people you trust to look after your children under 18 years (called Guardians)

• appoint people you trust to carry out the terms of your will (called Executors)

• name the people or charities you want to benefit from your estate (called Beneficiaries)

• leave gifts of specific items or fixed sums of money (called Legacies).

• create trusts to help preserve wealth for future generations, protect against residential care costs or help vulnerable or disabled beneficiaries

• state your funeral wishes

If you live in England or Wales and die without a legally valid Will, it is likely that the government will decide where your assets are allocated and if you have no living family members, your property and possessions are likely to go to the Crown. If you have children under 18, others may make decisions around who will care for them and where, as well as their finances and education.

By making a Will you can ensure your specific wishes are fulfilled. A Will is a legal document that allows you to state what should happen to your assets (your money, property, investments and possessions) as well as your young children after you have passed away.

Making a Will can be quick and easy when you receive the right guidance and especially when you have a specialist to help you complete each step from start to finish. Co-op Legal Services’ specialist advisors can discuss your wishes, offer guidance and help make a Will that’s right for you and your circumstances.

If you are ready to contact Co-op Legal Services, complete their simple form and they’ll be in touch to help you.

They can arrange meetings to suit you, either on the phone or via video call software.

• cut the charges you pay and make tracking your retirement savings easier

• bring together all of your pension funds

• find out whether transferring is suitable for you

• receive a formal recommendation

• obtain assistance with the necessary documentation

Why would I consolidate my pension?

It is common in this working era, for many of us to have worked for a number of different employers. With each new job bringing with it a new company pension scheme, and it’s even possible that you have a personal pension separate from your employer. To cut the charges you pay and to make tracking your retirement savings easier, it may be a good idea to bring together all of your pension funds.

Transferring may not be suitable or available for everyone. Whether it’s right for you will depend on many factors such as:

• Your personal circumstances
• the nature of other pension arrangements
• whether you’re planning to access your pension savings in the next five years
• whether you could be giving up a guaranteed benefit – such as guaranteed annuity rates
• the cost of transferring or whether the provider you are transferring from applies a charge; be it a fund or a contract charge.

Our pension consolidation service will analyse all of the above points, enabling us to provide you with a formal recommendation. Should we advise consolidating your pensions is suitable, we will also assist with the necessary documentation from both the old, and new pension provider.

• Use our free mortgage calculator for an idea of how much you could borrow

• Have access to a Mortgage adviser who can help find a mortgage that is suitable for your needs

• We provide mortgage advice relevant to your needs such as: first time buyers, re-mortgaging your property, additional mortgage, buy to let properties

• Be given on-going support from application to completion as well as help when your product is coming to an end

Mortgages are on people’s minds at various stages of their life. Whether it be buying a home for the first time, re-mortgaging your existing home, or releasing money in the later years for you and your loved ones to enjoy.

The family home is likely to be your biggest asset and will probably be your largest monthly commitment, so getting the financing right is crucial. We assess your needs, circumstances, affordability and sustainability to find the right mortgage that suits you both now and in the future. This will help to ensure that your home remains your home. Our mortgage advisers are experienced in advising on a wide range of lending options and will have access to the whole market.

We offer a fully advised and handheld service, keeping you up to date every step of the way. We can offer advice on a variety of different types of lending including:

• Residential Mortgages
• Buy to Let**/ Portfolio Investors
• Equity Release
• Commercial Finance*
• Bridging Loans**
• Development Finance*
• Self Builds
• Second Homes and Holiday lets

We also work with clients who have specific lending needs such as High-Net-Worth Lending or Impaired Credit Lending.

For the latest product rates please visit:
www.tavistockprivateclient.com

Our free mortgage calculator can give you an idea of how much you could borrow and how changes could affect your repayments. Try it here.

*These products are not regulated by the Financial Conduct Authority.

** Some bridging loans and buy to let mortgages are not regulated by the Financial Conduct Authority.

• registering the death

• notifying financial institutions

• notifying Insurance companies

• managing social media accounts

• stopping unwanted mail

• advice on estate administration and probate

Co-op has a long-standing tradition of supporting bereaved families for over 100 years. Building on their heritage, their Bereavement Notification Service helps bereaved families by providing practical support and advice when dealing with the affairs of the deceased loved one.

They can help with:

• Registering the death
• Notifying financial institutions
• Notifying Insurance companies
• Managing social media accounts
• Stopping unwanted mail
• Advice on Estate administration and probate
• Family law issues

For all these services,  where further assistance is required, we can arrange for you to speak to one of their lawyers about these specific issues and if legal assistance is required*.

If you are ready to contact Co-op Legal Services, complete their simple form and they’ll be in touch to help you.

They can arrange meetings to suit you, either on the phone or via video call software.

*fee for arrangements