Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.

Our services

Auto Enrolment

Auto enrolment is a government initiative to help people save for later life through a workplace pension.

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Equity Release

Equity release is normally available to those aged 55 and over, proving to be a financial lifeline for those living in properties that may be worth hundreds of thousands of pounds but with insufficient income.

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These days, there’s a lot to think about when you take out a mortgage. It’s usually the biggest financial commitment you will take on, so getting advice really helps.

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Inheritance Tax

With property prices having risen over the last few years, you don’t have to be hugely wealthy to be affected by Inheritance Tax (IHT).

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We can help you to build a suitable investment strategy to make your money work harder and in as tax-efficient a way as possible.

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Long-term Care

It’s a well-known fact that the UK population is getting older. The Office for National Statistics (ONS) predicts that by mid-2045 the number of people of pensionable age (aged 67 plus) will have increased to 15.2 million, an increase of 28% on the level in 20201

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Right now, retirement might seem a very long way off, but it’s never too early to think about your pension.

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Most of us are probably aware that there are policies available that provide life insurance, protect us in the event of a critical illness, or pay out if we had an accident or illness which stopped us from working.

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Retirement and later-life planning

The good news is that we’re all living longer, which means that those reaching 65 today might easily expect to spend 20 plus in retirement.

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There are many good reasons for saving, from putting away money for emergencies to the bigger, more exciting things in life like a deposit on a home, or a special family holiday.

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Who will inherit if you die without having made a Will?

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Estate Planning, Lasting Powers of Attorney, Trusts, Probate

To find out more about these services please contact our office

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Want to know more?

To find out more, please call us on 01206 751999 or email us at enquiries@bowm.co.uk

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