Protecting you and your assets

We protect our cars and houses without much thought, yet often the most valuable asset in the family is you…

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Illness or death can have serious financial repercussions.

The impact can vary depending on whether you are employed or running your own business. We’ll help alleviate your concerns around:

  • Maintaining your lifestyle and income levels if you are unable to work
  • Providing for your family if you die or develop a serious illness
  • Paying an inheritance tax bill without needing to sell the family home
  • Reducing damage to a business if a key individual dies or becomes seriously ill
  • Maintaining control if a member of a partnership structure dies or becomes seriously ill

Whatever your circumstances, we can provide advice to ensure you have the right level of insurance in place to secure your financial future.

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Do you need cover to protect against illness or death?

Our advisers can give you the peace of mind that you and your family are protected against the financial consequences of the unexpected. Get in touch to discuss how we can help you.

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Financial planning

Financial planning can help you reach your goals in life, whether you want to determine when you can retire comfortably, bring organisation to your financial world or pass on your wealth effectively.

Pensions and retirement planning

Deciding when to retire is a challenging decision and can feel like a leap of faith. At Saltus, we gather information on all of your existing assets and then use our technology and expertise to show you exactly how to achieve the retirement you’re after.

Reducing your tax burden

How to structure your wealth and access income should be approached in a sophisticated way. A detailed financial plan may use pensions, ISAs, general investment accounts, offshore bonds and other tax wrappers to ensure you can draw your money in a tax-efficient manner.

Consolidating your wealth

Holding multiple investment accounts and pensions can mean they’re hard to keep track of and administer. We’ll help you overcome this by consolidating your accounts into a single plan so that you can understand your financial position with ease.

Passing on your wealth

Estate planning is more important than just having a Will. We’ll work closely with you to understand how estate planning, which has emotional as well as financial consequences, can impact your overall financial plan.

Significant life events

Significant life events can present great opportunities but also considerable challenges. Whether you are going through a business sale, divorce or are receiving a lump sum, we’ll help build a financial plan to meet your changing lifestyle.

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