Independent Financial Services for Kendal and the South Lakes
Thomson Hayton Winkley Financial Services Limited is a firm of Independent Financial Planners offering unbiased, impartial advice.
From wealth management to securing inheritance, planning for your retirement or choosing the right investments - we act solely for our clients and always have their best interests at heart.
Preserve and Grow Wealth
Full portfolio planning services based on need, risk profile and objectives incorporating:
- Investing for growth
- Investing for income
- Tax efficiency
- Bespoke portfolios
- Model portfolios
- Active and passive management
Effective Ways to Mitigate Tax
Full use of available tax allowances and reliefs to accumulate and pass on wealth including:
- ISAs
- Pension planning
- EIS and VCT
- Capital Gains Tax planning
- Income Tax planning
- Inheritance Tax planning
Pre and Post Retirement Planning
Full pension advice service for private individuals and business owners:
- Personal Pensions Plans (PPP)
- Self-invested Personal Pension Plans (SIPP)
- Small Self-administered Schemes (SSAS)
- Annuity purchase
- Pension drawdown
- Annual and Lifetime allowance
- Death benefits
Pass On Wealth Efficiently
Protect your family’s wealth by managing your inheritance tax liability, including:
- Gifting
- Effective use of trusts
- Investments free from Inheritance Tax
- Life assurance
Protect Against the Unexpected
Insurance against unexpected events such as death, critical illness and long term sickness, for:
- Family members
- Directors and Partners
- Key employees
Financial Planning After Separation
Personal advice at an emotional time:
- Establish needs and objectives
- Review existing pension plans
- Review existing investments
- Securing your financial future