Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.

All of our advice will consider your tax free allowances to ensure that whatever we do for you will be as efficient as possible.

Advice on Cash Deposits, Estate Planning & Trusts are not regulated by the Financial Conduct Authority

Savings & Investments

You may be looking to save for your children’s school fees, wanting to reduce your mortgage as quickly as possible or making sure that you can have the special holiday that you have always dreamt about.

Our role is to help you choose the best way for you to either save or invest your money in order to meet your objectives. We will inform, educate and help you choose the right solution for you and your family by having open and honest discussions with you in a setting you feel comfortable in.

We have a broad selection of funds and investment strategies which will be tailored to your own situation.

Areas we can consider are:

ISAs - Flexible, Junior, Help-to-buy* |   VCT & EIS*  |  Sustainable (ESG) Funds   |   Investment Bonds   |   Discretionary Management  |  Savings Rates

 

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

*THE HELP TO BUY ISA IS NO LONGER OPEN TO NEW ACCOUNTS.

*VENTURE CAPITAL TRUSTS (VCT) & ENTERPRISE INVESTMENT SCHEMES (EIS) INVEST IN ASSETS THAT ARE HIGH RISK AND CAN BE DIFFICULT TO SELL SUCH AS SHARES IN UNLISTED COMPANIES. THE VALUE OF THE INVESTMENT AND THE INCOME FROM IT CAN FALL AS WELL AS RISE AND INVESTORS MAY NOT GET BACK WHAT THEY ORIGINALLY INVESTED, EVEN TAKING INTO ACCOUNT THE TAX BENEFITS.

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Pensions

What does your retirement look like? How do you make these dreams happen? Recent analysis from Quilter has estimated that for a single person to enjoy a comfortable retirement they must have a pension of £645,000

A comfortable pension for a single person would need to see someone on an annual income of £26,700 per year on top of the state pension, after tax.” *

There are many options available when taking benefits from pension schemes. We will guide you after understanding your needs to make sure that these investments which you have worked so hard to create, give you the comfortable retirement you deserve. Perhaps, you are just starting to think about the future and how pensions will play an important part for you. Maybe you are already enjoying retirement and looking to make sure that your pension will cater for your loved ones in the future?

*This number was based on an escalating income of three percent and an annuity rate of 5.1 percent based on someone who is of state pension age, which is 66. These new pension calculations originate from PLSA's Retirement Living Standards research which was recently updated to factor in the rising cost of living.

Areas we can consider are:

Small Pots   |  Flexi-access Drawdown   |  Defined Contribution Schemes  |  Self-Invested Personal Pensions

THE VALUE OF PENSIONS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVEST.

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Passing On Your Wealth

In some instances, having that talk with your wider family about what happens when you are not here anymore can be one of the most important conversations you can have (and is often one that gets continuously put off).

Whether this is using us as a sounding board or using us in a wider family conversation we have the experience and understanding to guide you through the options available.

Make sure that your family does not receive an unwanted bill at the wrong time.

You will have worked hard during your lifetime to accumulate your wealth – we will make sure that you protect as much of this as you can in order to pass it on to the right beneficiaries.

Areas we can consider are:

Use of Trusts   |   Life Assurance   |  Gifts   |  Business Property Relief   | Trust Registration

Protection

What happens to your family if something happens to you?

Not being able to look after your family financially in the event of illness or death is a major concern for many.

With so many different types of life assurance policies available which offer different features and benefits, it is important that we guide you to policies which will provide you and your loved ones with financial security and assistance which best suits your needs. We have seen many examples where a well-researched protection strategy which meets budgets and needs can help keep you, your health, your lifestyle and your family be financially secure.

Areas we can consider are:

Income Protection   |   Life Assurance   |   Critical Illness Cover   |   Whole of Life Cover   |   Family Income Protection

Financial Health Check and Cash Flow Forecasting

Many of us are guilty of brushing our own finances under the carpet as we’re so busy with family life, working, running a business or are simply too busy enjoying ourselves but with the rising cost of living it’s more important than ever to take stock and evaluate these things on a regular basis.

If you don’t know where to start let us help. We’re at the end of the phone for an initial free health check or to answer any general questions you may have. Let us do the hard work for you and guide you on where we see improvements can be made. If you need to change something we will tell you, but we will also tell you if we think your existing arrangements are working well as they are. We’re always honest, always open and always clear.

Using a cash flow forecasting tool we can help you to get a better idea of what you can expect to see in terms of your finances, how we can manage this and what we need to do to future proof your funds and make sure that you are on track for whatever you are trying to achieve.

 

 

Call us today on

01225 683192

or email us at [email protected]
and we'll be pleased to help you.

Barlow & Bartlett Wealth Management, 141 Englishcombe Lane, Bath, BA2 2EL

Barlow & Bartlett Wealth Management is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.

Quilter Financial Services Limited is entered on the FCA register (https://register.fca.org.uk/s/) under reference 440703.

The guidance and /or information contained within this website is subject to UK regulatory regime and is therefore targeted at clients based in the UK.

Approver Quilter Financial Services Limited. 17/03/2023

Reviews and Ratings for Financial adviser Rupert Barlow, Bath