For those clients wishing to save money without any Investment Risk or requiring shorter term access to the money as part of their Emergency funds or holiday savings, Deposit Accounts and National Savings could provide a solution.
Building a nest egg is the essence of developing financial independence whether for yourself or perhaps for a child or grandchild. There are a wide range of options to save either making regular deposits or one off lump sums and our advice can help you find a solution which meets objectives you have and your capacity for risk.
Davisons innovative Cash Management Service will ensure that your money does not languish in low interest accounts, as can often be the case when introductory offers are lost and rates fall and can provide much higher returns for your savings.
Services Offered:
- Targeted savings advice perhaps for education fees
- ISA savings plans
- Unit Trust Savings plans
- Cash deposits and Cash ISA
- Child Trust Funds
- Cash Management Service
Investment Portfolio Planning
With the investment of capital sums perhaps built up over many years, the role of an experienced investment adviser can be invaluable. Not only do a bewildering array of products, providers and funds exist, there is the exercise of combining this with appropriate tax planning, investment risk and on-going managing to meet your need for capital growth or income (or both).
The comprehensive service we offer, whether it be to restructure an existing portfolio or start a portfolio from an initial investments, provides you with a complete service and structures your investments to meet your personal circumstances, investment objectives and risk profile – from extremely cautios to speculative or anywhere in between.
Services Offered:
- Targeted solutions for income or growth (or both)
- ISA and Unit Trust schemes
- Investment Bonds
- ‘Fundsupermarket’ and wrap solutions
- Reviews of existing plans
- Ongoing reviews and advice
- Cash deposit management
- Introduction to Discretionary Managed Services from Stockbrokers
Specialist Investments
For those with an appropriate appetite for taking higher levels of risk, the current tax regime offers generous tax breaks for supporting investment in smaller companies and new technologies. These solutions can used to reduce income tax and capital gains tax and in some cases even reduce Inheritance Tax
Services Offered:
- Venture Capital Trusts
- Enterprise Investment Schemes
- Introduction to managed AIM portfolio services
Inheritance Tax Planning
Despite the recent decline in house prices, the previous extended boom in property and land values coupled with modest rises in the nil rate band have left many more estates in the position of having a liability to inheritance tax. Careful planning can significantly reduce this liability and in many cases eliminate it. There are a range of solutions which will enable a balance to be struck between the needs of different generations.
Services Offered
- Inheritance Tax Planning Advice
- Discounted Gift Trusts and Capital Transfer Plans
- Loan Trusts
- Life Assurance solutions
- Introduction to managed AIM portfolio services Introduction to legal services for Wills, Deeds and Trusts