Live for today, plan for tomorrow

• Do you know how much income you will need in retirement?
• Do you know how your pension is performing, or even what it’s costing you?
• Are you fully aware of your retirement options?

The pension landscape is complex. There is now greater choice than ever before when it comes to your retirement options, making the need for effective financial advice more important than ever.

Whether you need to review your existing plans or start your retirement planning journey, let us help you accomplish your future financial plan.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

• Have you protected the shareholder/partners of your business?
• Are your salary and dividends protected in the event of incapacity?
• Are you aware of the ways to reduce your personal and corporations tax?

Business owners and entrepreneurs can be under constant pressure to run and build their businesses, so finding the time to deal with financial planning can be very difficult.

Whatever the size of your business, we understand both personal and business objectives. We create financial plans that not only help protect the interests of your business, but also build business and personal wealth by ensuring your profits are drawn in the most tax efficient manner.

• Are you happy with the return on your savings and investments?
• Do you understand the costs involved with your current investments?
• Are your investments as tax efficient as possible?

Your goal may be saving for a deposit to buy a property, paying for school fees, or even creating a secure nest egg for the future. Whatever your goal may be, there may be a number of changing circumstances that could cause your wealth to diminish, some inevitable and some often unpredictable. Therefore, structuring your wealth in a way that minimises the impact of these changes is essential.

Here at Chameleon we have the insight and knowledge to create tailored investment solutions for a range of diverse needs.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

• Can you and your family afford to maintain the same standard of living if you are unable to work?
• If the worst was to happen, are the necessary steps in place to ensure your loved ones will be looked after?
• Is your current level of life cover enough?

Many people fail to protect what is most important in their lives; their family and themselves. Whilst it can often be a difficult conversation, there is huge importance in protecting you and your loved ones in the event of challenging situations.

At Chameleon, we create those bespoke protection plans to ensure you have a safety net in place to cover different eventualities.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

• Are you fully aware of the options available when transferring your wealth to your family?
• Are you aware or concerned about the potential inheritance tax liability your family may incur?
• Are the necessary steps in place to transfer your estate to your family?

You spend your life working hard to build your wealth, which is eventually passed on to your family. However, without careful planning, your family may find a large proportion of your estate being used to pay an inheritance tax bill.

With careful planning and consideration to tax implications, we can produce a structured financial plan to reduce your inheritance tax, whilst ensuring your assets remain flexible and with you fully in control.

The Financial Conduct Authority does not regulate estate planning.