Significant life events

Significant life events can present you with a great opportunity but also considerable challenges…

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Selling a business

We can help source external specialists to assist with the valuation and sale of your business. Importantly, we’ll look at how much you might need to lead the lifestyle you’re after following the sale. It’s not just crunching the numbers and building a plan, we also explore how you might want to spend your time post-sale. We understand it may take some time for you to work out the answer to some of these questions. Ultimately, we simply want to ensure you make the most out of your business, whether you’re growing it, structuring for sale, or are already looking to retirement.

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Receiving a lump sum

An inheritance, gift or bonus can have significant implications. It can often be a challenge to work out how to use the money effectively. We’ll help review your existing plan in light of the change and provide clear direction as to how to put the money to work.

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Divorce

We have several specialists in our team that help individuals going through divorce. Over the years, Saltus have carried out countless pension sharing orders and are regularly called upon to help clients prepare for a fresh start. Whether it’s helping you to value assets for settlement, understand the tax implications of divorce, or review your investments and protection post-divorce, our team will provide comfort and clarity through a difficult period.

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Personal injury

Our team has considerable experience working with deputies appointed by the Court of Protection, and we have a strong understanding of how mental capacity issues affect the way we look after a beneficiary’s money. At difficult times, it’s important not only to have an experienced team you can trust, but an idea of the road ahead. At the outset, we’ll ensure you have a clear understanding of how your care needs can be met and the financial steps required to get there.

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Arrange a financial review

Get in touch to find out how we can help you with a significant life event.

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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.

Protecting you and your assets

We protect our cars and houses without much thought yet you might be the most valuable asset in your family. Whatever your situation, we can provide advice to ensure you have the right level of insurance in place to keep your finances protected.

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.

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Investments do not guarantee a return, the value and the income from them can fall as well as rise. You may not get back the amount originally invested
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