Arthur Beverly Financial Management

Independent Financial Advisers

Phone

0141 956 5525 / 07740 985 725

Our Services

  • Pensions

    Successive Governments have worked hard to encourage people to make adequate provision for retirement, because they know that State Benefits are simply inadequate. Because of this, the onus of providing for our retirement is being placed fairly and squarely on our own shoulders and that of our Employers. Hence, the Government offers generous tax concessions to help people build up capital, via pension arrangements, that will provide vital income during retirement.

    It’s never too early to start planning for your retirement and the truth is that the earlier you start to plan for retirement, the easier it will be to achieve the retirement income you want. You probably save on a regular basis for your annual holiday. But are your saving for the longest holiday you are going to have – your retirement!

    As well a giving advice on how to go about starting a new pension, at Arthur Beverly Financial Management, we specialise in helping our clients put together a proper investment strategy for the money that they already have in their pension so that they can enjoy a more secure retirement.

    When the time comes to draw your pension benefits, a number of attractive options exist, including a tax-free cash entitlement. Furthermore with modern pension plans, there is no longer the need to be forced into buying an annuity either. Depending on the monies available, more flexible ways can be found of generating an income from your pension in a way that your family doesn’t lose out if you die prematurely.

  • Investments

    Investment is another main cornerstone of  Glasgow wealth management. A balanced portfolio of tax-efficient savings and investment vehicles based on your Attitude to Risk can make your money work harder for you.

    The fundamental problem with relying entirely on bank and building society deposits over the medium to long term is simple: they only generate income. If the income is spent, the capital value stays the same. In fact, after inflation, the income generating power of your savings is actually reduced!

    As with pensions, at Arthur Beverly Financial Management, we specialise in helping our Glasgow wealth management clients put together a proper investment strategy in line with their Attitude to Risk

    In addition, In these days of high volatility in the markets and investor concerns, it is now possible to lock in either the value of your capital or the value of the income taken no matter what happens to your investments. Indeed if the markets rise you may also benefit from enhanced capital values or income.

  • Life Insurance

    Family protection is in many ways the very foundation of Glasgow independent financial advice generally, and for most people it is, or should be, a first priority.

    Needs will vary from circumstance to circumstance and will depend on many factors. Family protection encompasses not just life assurance needs, but also income protection, critical illness benefits and related areas such as private medical insurance.

    There is a clearly demonstrable need for the breadwinner of a family to be covered against the various circumstances which could reduce or eliminate his or her ability to continue to provide the income to support the family.

    It is however important to consider the effect that the death or incapacity of other members of the household, particularly spouses who are not engaged in paid work, would have. For example, where one partner takes responsibility for looking after young children, if he or she becomes unable to do so, the result may well be that the other partner can no longer devote as much time to work, and the family’s income overall may suffer. Outgoings may also increase, with additional child minding costs and so on.

    Unless the family’s financial situation is protected against such eventualities, there is a high risk of a significant reduction in living standards as a result of death or disability.

    Glasgow independent financial advice includes looking at mortgages and loans. Because the purchase of a main residence is such a fundamental requirement for most people, and because the size of the borrowing is often large relative to income and other assets, it is important that the borrowings are protected against death and, probably more importantly, a serious illness. These catastrophes are likely to have a devastating effect on the financial situation of the survivor and their families

    Businesses too can be severely affected by the loss of a Director, Partner or a Key Employee. The idea of business assurance in general is to protect the business itself and/or the potential inheritors of the business from the death or disability of a person who is key to the operation of the business, or who is an owner of part of the business.

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