FINANCIAL SERVICES

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Pareto Financial Planning Limited is an award-winning firm of independent financial advisers (IFAs), with an established reputation for dealing in all areas of financial planning.

From our Manchester city centre offices, our experienced and highly-qualified financial advisers work alongside a professional team of support staff. Skilled in many administrative areas, we use the latest systems to deliver the highest standards of service to our clients.

Pareto has over £700 million under influence on behalf of thousands of diverse clients, from high net worth individuals to global PLCs. We successfully manage employee benefit solutions such as workplace pension schemes for over 500 companies and provide investment & savings advice to a wide range of private clients.

Our success comes from focusing on long-term relationships, ensuring we understand our clients’ financial goals, and provide clear summaries and pro-active solutions that will be effective now and far into the future.

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Your pension options

November 2020

Tax treatment depends on individual circumstances and all tax rules may change in the future. You cannot normally access your pension until age 55.
Taking money from your pension pots could affect your benefits.

The content in this fact sheet is for your general information and use only and is not intended to address your particular requirements. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles. The value of your investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable

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Protection – Helping you secure your financial future

November 2020

We understand that peace of mind for the future is essential. You’ve worked hard to build and grow your wealth; it’s only natural to put in place measures to protect it. But unforeseen life events and circumstances can potentially impact your finances in a number of ways.

Pareto is on hand to financially protect you and your family in the event that your regular income is impacted in some way, through injury, illness or death. Our team of experts will work with you closely to understand your current financial position, addressing any potential shortcomings with robust solutions.

  • Your dedicated Pareto adviser will help you identify any potential shortcomings and explain solutions in a straightforward manner.
  • The benefits of having support from an adviser means your plans can be regularly reviewed for appropriateness and value, in line with any circumstance or lifestyle changes you may encounter.
  • You can have confidence that as independent advisers we will scour the market for the most appropriate plans for you and your family.

We advise on

  • Life Insurance
  • Term Life Insurance
  • Whole of Life Insurance
  • Critical Illness Cover
  • Income Protection Insurance
  • Private Medical Insurance
  • Long Term Care Cover
File photo dated 06/01/15 of money in a piggy bank. Research has found more than two-thirds (68%) of pension holders do not know how sustainable their retirement pots are, research has found.

Retirement Planning

September 2020

Making the most of pension allowances
There are various pension allowances that you need to be aware of and understand how to make the most of. Click here

Planning to leave a family legacy?
The impact of coronavirus on Will making, which is one of the most important legal documents you can create in life. Click here


Rewritten retirement rules
Pension freedom tax rules may allow members of defined contribution pension schemes to access their pension savings early. Click here

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A Guide to Life Insurance Protection

June 2020

by Stuart Carswell

 

 COVID-19 (coronavirus) has had a devastating impact on people’s lives. The outbreak may mean you have concerns about your life insurance (which is sometimes called ‘life cover’ or ‘death cover’) and whether you’re covered. If you have life insurance to provide for those left behind or to cover business loans after your death, it’s important to keep paying the premiums, even if you’re tempted to put it on hold to cut costs. You could lose your cover and may struggle to find the same level of cover if you start another policy later on.
injury mitigation part 2

Mortgages

Protection

Pensions

Investments

Tax Planning

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