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Please fill in your details to arrange a financial review with one of our financial planning or investment experts.
How it works:
- We will call you back to find out more about your aims and requirements
- We will arrange a meeting with one of our team at a convenient time, either over the phone, on video, at your home or workplace, or at one of our offices
- You will be able to ask any questions you have and find out more about managing your wealth with Saltus
- Your review will be at our cost and there is no obligation to work with us afterwards
Who we work with:
- Individuals with £250,000 or more in investable assets. This includes pensions, ISAs, other tax-wrappers and cash available for investment.
Believe it or not, there is a risk-free investment you can make which gives you a 72% return overnight. Fortunately, it’s not some extremely high risk, esoteric investment scheme, that will see you locked away forever or losing all your cash – it’s just a pension.
Pensions might sound boring to most people, but they are actually one of the most phenomenal vehicles for growing your money. 72% may seem a little bit farfetched but, if I take you through the numbers, you’d be quite amazed by the outcome:
If you’re a basic rate taxpayer and are paid £1,000, it will be taxed at 12% for national insurance and 20% for income tax. As a result, this arrives in your bank account as £680. For a higher rate taxpayer, anything over the £50,000 threshold suffers an additional 2% in national insurance, and a whopping 40% in income tax. As such, this will land in your account as £580 – a fairly disheartening reality.
No need to worry though, as you can resolve this entirely simply by popping the money straight into your pension. Most pension schemes are now salary sacrifice which means national insurance just disappears, and all pensions are completely gross of income tax. No tax to pay at all!
By putting the money in your pension, your £680 will increase by £320 (47%!), and if you’re a higher rate taxpayer, it will result in a £420 uplift. You almost double your money. That’s a 72%, risk free return, before you’ve even considered how you’re going to invest it or compounded growth. It’s pretty phenomenal and there’s no other return like it.
So, it might be time to re-think pensions because they’re not actually that boring and you can make easy money.
All authors have considerable industry expertise and specific knowledge on any given topic. All pieces are reviewed by an additional qualified financial specialist to ensure objectivity and accuracy to the best of our ability. All reviewer’s qualifications are from leading industry bodies. Where possible we use primary sources to support our work. These can include white papers, government sources and data, original reports and interviews or articles from other industry experts. We also reference research from other reputable financial planning and investment management firms where appropriate.
Saltus Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Information is correct to the best of our understanding as at the date of publication. Nothing within this content is intended as, or can be relied upon, as financial advice. Capital is at risk. You may get back less than you invested. Tax rules may change and the value of tax reliefs depends on your individual circumstances.
Find out more about our award-winning wealth management services…
Financial Advisory Firm of the Year
Client Relationships Award
Financial Services, Banking and Insurance Firm of the Year
Investment Performance Cautious Portfolios
Best Medium Firm
Investment Performance: Cautious Portfolios
Investment Performance: Balanced Portfolios
Financial Planning Firm of the Year: Small to Medium Firm
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.
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.