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Investing For Your Future

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We understand that you have worked hard for your money so it is important that your money works hard for you. Anything you manage to save, after paying your day to day bills and other calls on your money, needs to earn as much for you as possible.

Everyone has different reasons for saving, a holiday, a wedding, a new car or even a new home, but the common theme is that you need to find a place where your money has the potential to grow at a rate with which you are comfortable. We can help you to obtain that return in an environment that suits your objectives and attitude to risk.

Maximise Your Allowances Through Planning And Trusts

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Benjamin Franklin was right when he said “the only two certainties in life are death and taxes” and when it comes to Inheritance Tax the two subjects collide.

Why should the taxman take some of your assets when you die, especially as you have already paid income tax on the money earned and capital gains tax on any profits?

There are ways to reduce the amount of Inheritance Tax payable on your Estate and we can show you how, through careful planning, this can be achieved.

Protecting You And Your Family

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Most of us don’t like to think about how we would cope if we were to fall ill and be unable to work, or how our family would manage in the event of our unexpected death.

A little forward planning now could provide you with a regular income or a cash lump sum to ease the financial burden if you were to fall ill and be unable to work. Having the correct level of life assurance will also give you peace of mind that you have made provision for your family in the event of your untimely death.

We have the expertise and sensitivity to help you select the right level of protection for you and your family.

Providing For Your Children And Grandchildren

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We know that many parents and increasing numbers of grandparents are worried about their children and grandchildren being able to start their adult life without the burden of debt often associated with continuing their education. They also worry about how their children will manage to buy their first home.

We can guide you through the most appropriate ways of saving to help future generations of your family get the best start to their financial life.

Buying Your Home

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There is a vast array of different mortgage products to choose from whether it is your first home or you are looking for a better rate or even somewhere you want to rent out.

Here at ADA Financial Consultants we have the facilities to research the whole market for the most competitive and suitable mortgage or re-mortgage to meet your needs.

(Your home may be repossessed if you do not keep up your repayments on your mortgage)

Saving For Your Retirement

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They say 70 is the new 50, as many people live and remain fit and active for years longer than their grandparents. This means the need for a realistic income in retirement is even greater nowadays.

We believe your retirement should be something to look forward to and enjoyable – not worrying about how to make ends meet.

We can explain the different options available to you and how to make the most of your money when you retire. We are able to do this because of our expert knowledge in the investment and pensions market.

Creating An Income For Your Retirement

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If you are aged 55 years or over and own your home you may like to consider releasing money from your property, in order to provide additional income for your retirement without having to move home.

You should always remember that the value of investments and the income from them may go down as well as up and that you may not get back your original investment. Changes in rates of exchange between currencies may also cause the value of the investments to fluctuate. Past performance is not necessarily a guide to future performance.

‘Authorised and Regulated by the FCA’