Wealth Management
At Knight Brown Accountants we have access to qualified, experienced financial advisors who can make the most of your hard earned savings and investments.
If you require impartial advice from a specialist with a comprehensive understanding of your needs on both a personal and business level please do not hesitate to contact us.
Retirement Planning
- Personal pension advice & planning
- Advice on the best time to take benefits from your pension
- Advice on tax free cash lump sums, annuities & income withdrawal
- Benefits of making company employer pension contributions
- Self Invested Personal Pensions (SIPPs)
- Owning commercial property via a SIPP
Savings and Investments
- Advice individually tailored to your attitude to risk & investment goals
- Making regular savings from your income
- Getting the best return on capital
- Making regular savings from your income
- Investing for capital growth and/or income
- Tax efficient savings such as Cash ISA’s, Stocks & shares ISA’s & help to buy ISA’s
Protection
- Life insurance
- Critical illness cover
- Accident, Sickness & unemployment cover
- Income protection
- Loan protection
- Private health insurance
- Relevant life plans
- Director shareholder protection
Alsager and Sandbach Chartered Certified Accountants are regulated for a range of investment business activities by The Association of Chartered Certified Accountants.
Life Cover on the company!
Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer.
What is a Relevant Life Plan?
A Relevant Life Plan is an individual ‘death in service’ life policy. It is a term assurance plan designed to pay a lump sum benefit if the person covered dies or is diagnosed with a terminal illness during their employment, within the term of the plan. Relevant Life Plan’s are similar to most other types of life cover but can be a very useful tax efficient alternative providing valuable death in service benefits for you and your employees.
Added peace of mind tax free
The unique way in which Relevant Life Plan’s work mean you can effectively have the taxman help pay for the cover. While the cover is personal to you and your employees’ the policy counts as an allowable business expense so it’s tax deductible and doesn’t count towards annual or lifetime pension allowances. In most cases Relevant Life Plan premiums and paid benefits qualify for full Income Tax relief, National Insurance relief and Corporation Tax relief.
What can you save?
A Relevant Life Plan could result in savings for a business when compared with a typical life policy. Premiums could be reduced by up to 49% if you’re a higher rate taxpayer and up to 40% for a basic rate taxpayer.
