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Independent financial advisers
It can be difficult to find a financial advisor that you can trust to give up to date financial advice, an ifa, (independent financial adviser) offers independent advice from the whole of the market and is not tied to one provider. Our ifa company is based in Kent, but we have clients throughout the South East of UK and London. We also have international clients and provide an online financial service.
At Blue Ocean Investment Company, we are financial planners, providing financial plans to help your money grow. We provide budgeting advice to help with debt consolidation, wealth creation and wealth management, mortgages, life insurance, annuities, pensions, SIPPS, pension drawdown’s, stakeholder pensions, income portfolios and tax planning. If you need financial help you have come to the right place! We offer a fee based financial planning service or commission based service. Both options are available and you can decide what option suits you.
What is an independent financial adviser?
We provide financial planning services to individuals or corporations in need of finance planning. We have certified financial planners to provide up to the minute information on the most appropriate investment advice, budgeting advice and money management. We provide financial help on a wide range of financial areas.
Mortgages:
If you are looking for a mortgage, we have financial advisors who can provide mortgage help. We can review the whole of the market on line to ensure the most suitable mortgage for you. Our mortgage brokers have knowledge of best deals to suit your personal finances. Even if you have debts and may be considering refinance or been declared bankrupt, do not despair, as we may be able to help you. We are happy to give advice on mortgages and mortgage help as required.
On line financial advisor
At Blue Ocean Investment Company we can offer services through our on line service if this is more convenient for our clients. We also provide quarterly financial newsletter to provide information on current financial news. Our financial newsletters can be emailed directly to clients free of charge.
Wealth management/ wealth creation:
Is it your aim to get rich? As investment advisors we provide financial advise to help you develop an investment strategy. If you had a millionaire mind you would not need financial help, but this unfortunately does not apply to the majority of us! Knowing how to invest in the right managed funds can be a mine field. Financial service providers aim to provide financial solutions to help your money grow, with the most appropriate investment services for your individual needs.
Financial Investment:
When considering investing you will want to know that your investment advisers are able to offer the right financial guidance in relation to investments. Our finance consultants and financial planners provide investment information and stock investment advice. They ensure they are aware of current trends in the stock market and investment opportunity. They will provide investment strategies and investment planning to meet your financial goals. They keep themselves abreast of investment articles, funds advice, money advice and investment guide to ensure the financial investment recommended is suitable for you.
Pension Information:
It is important that you make the most of the pension benefits available and effective retirement planning enables you to do this. At Blue Ocean our pension advisors provide current information on pension schemes for pension planning for individual clients (private pensions) or corporate clients (company pension scheme).
The pension adviser will provide pension help on a wide variety of policies. This includes: sip advice, avc advice, annuities, stakeholder pensions, pension drawdown, pension funds, pension schemes and pension transfers. Our pensions service provides pension simplification to help you understand your retirement plan
Our pension advisers keep fully up to date with current Pension legislation and uk pension legislation(pension rules) to ensure you make the most of pension regulations. We use the pension calculator to ensure you contribute the maximum pension contribution. This will ensure you reach your retirement goals, i.e., achieve early retirement if this is your aim and are able to retire. The advisor will also review the pension fund during annual pension review and provide you with an annual pension forecast with the pension providers.
Company pension:
The pension consultant can provide financial advice on the best pensions, pension superannuation, pension plans, occupational advice, and employer advice as part of the holistic independent financial planning. We can also offer retirement planning days for staff and assist with business planning. We provide top financial advisor and have access to tax professional we can recommend.
Debt consolidation
Debt relief is an area where our financial adviser can offer financial support. When faced with the possibility of debt or bankruptcy, it can seem there is no end to the financial problem our financial services advisor can offer advice on debt reduction and debt management. If financial problems are left unchecked it can cause distress, therefore having a financial strategy to overcome the financial debt is vital.
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Inheritance Tax
IHT may arise when a person dies or on certain lifetime gifts which are not exempt or potentially exempt.
- Individuals domiciled in the UK may be subject to IHT on their worldwide assets.
- Non-UK domiciled individuals are generally only subject to IHT on their UK assets.
- Individuals who have been resident in the UK in 17 out of the previous 20 years are treated as UK domiciled for IHT purposes
Husbands and wives are taxed separately; however, there is no IHT on transfers between spouses, provided the recipient is domiciled in the UK.
Doing nothing is not an option. Without proper tax planning, many people can end up leaving a substantial tax liability on their death, considerably reducing the value of the estate passing to chosen beneficiaries.
A bespoke solution is vital as it will depend upon the circumstances of each case. For example, what are your assets and do you require an income from them? If you are married, will you require access to funds in the future? What have you planned if one of you dies first?
At Blue Ocean Investment Company Ltd we are able to offer a range of inheritance tax solutions, which individually or in combination meet most of your objectives and circumstances, but having advice to meet your personal circumstances is essential to achieve your goals.
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01474 709605