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Choosing the right insurance plan for your loved ones
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Planning out your estate so that inheritance tax is minimised
Financial support
service for businesses
When you’re running a business and taking care of a hundred and one little things, looking after your own financial health often takes a backseat. At Golding Accountancy, we’re proud to offer you our trusted advice on life insurance, inheritance tax, and pension plans to ensure you’re personally supported too.
Why is personal financial support necessary, you ask? Entrepreneurs are always busy looking after their businesses – and in the process, their personal needs often go on the back burner. We’re known for our tailored and confidential advice geared towards your goals, whether large or small.
All our clients trust us to have their back, and so can you. We can help you with personal financial decisions, such as:
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Finding the right mortgage provider and handling the paperwork
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Planning a pension fund and securing a comfortable retirement for yourself
But we don’t do this
on our own
We’ve partnered with local legends Mistry & Sons, who are experts in the most critical financial planning and who we trust to take care of you with integrity and professionalism. Here’s how it works:
- We’ll contact you for a no-obligation conversation to see how we can help you plan for a secure future.
- Golding Accountancy and Mistry & Sons will discuss the elements of your financial planning to ensure you’re getting the best support. Information is passed between us as efficiently and securely as possible.
- There are no set fees, as it depends on the complexity and amounts borrowed or invested.
Protecting your future doesn’t have to be overwhelming. Take off your business owner hat, and think of your personal financial planning. Get in touch with us.
What our
financial planning services cover
No two people’s circumstances are the same. Getting expert advice on your circumstances is vital for seeing your life through the way you want. Here’s what our personal financial planning service from Mistry & Sons traditionally includes:
- Mortgage - Gain access to a range of providers and offload the stress the paperwork
- Life insurance - Be reassured your loved ones will be taken care of if you’re no longer able to provide
- Pension planning - Secure a comfortable retirement for yourself and your family in line with your business goals
- Your estate - Find out the best way to manage your assets now to save your loved ones from an inheritance tax bill in the future
What our
We provide our financial services via Mistry & Sons Ltd
Frequently Asked Questions
(FAQs)
1. What are the benefits of personal financial planning?
Personal finance planning can help you increase your savings by setting financial goals and creating a budget to reach them. You can enjoy a better standard of living by making informed decisions about your money, such as investing in experiences or saving for retirement. A financial plan helps you prepare for emergencies, such as unexpected medical expenses or job loss, by setting aside an emergency fund. Finally, it can give you peace of mind by helping you feel more in control of your financial future.
2. Does getting a financial planning advisor in the UK help?
Hiring a financial planning advisor can be beneficial in helping you create and manage a financial plan. They can help you assess your current financial situation, set financial goals, and create a plan to achieve those goals. However, it is crucial to choose a financial planning advisor who is qualified and experienced and to consider the fees they charge for their services carefully. Speak to Golding Accountancy if you want to know more about it.
3. How often will you review and update my financial plan?
The frequency of reviewing and updating your financial plan largely depends on several factors, including:
- Triggered review: Significant income, expenses, or asset changes can necessitate more frequent reviews.
- Annual review: We recommend a minimum of one comprehensive review per year. This ensures your plan aligns with your evolving goals, life changes, and market conditions.
- Tax law changes: Updates to tax legislation can affect your financial strategies and necessitate a review of your plan.
- Client-initiated review: The frequency of reviews can be tailored to your specific goals and the time frame in which you expect to achieve them.
4. How do you incorporate tax planning into your financial advice?
Our financial advisors are well versed in tax regulations of the UK and will consider tax implications while creating your tax planning.
- Understanding your tax situation: We will assess your current tax liabilities and potential future tax implications based on your income, expenses, and investments.
- Tax-efficient strategies: We’ll recommend strategies to maximise your after-tax income and minimise your tax burden. This may involve utilising tax-advantaged accounts like ISAs and pensions, considering tax implications of investment choices, and exploring legitimate tax deductions.
- Considering tax reliefs and allowances: We will ensure you take advantage of available tax reliefs and allowances, such as personal allowances, charitable donations, and business expenses.
- Monitoring tax law changes: We will stay updated on changes in tax legislation to identify potential opportunities or challenges that may affect your financial plan.
5. What should I prepare for our initial consultation meeting?
Before our initial consultation meeting, gathering some information for Mistry & Sons about your financial situation is helpful. We recommend:
- Financial statements: Gather your most recent bank statements, investment account statements, payslips, and any loan or mortgage documentation.
- List your financial goals: Be clear about your short-term and long-term financial goals. This could include saving for a house, retirement planning, funding a child’s education, etc.
- Consider your risk tolerance: How comfortable are you with investment risks? Understanding your risk profile is essential for developing a suitable financial plan.
- Current financial situation: Provide details of your income, expenses, assets, and liabilities.
- Questions: Don’t hesitate to ask any questions you may have about financial planning or your specific situation.
Why consider Golding Accountancy
for your financial planning
From the fundamentals to the most complex queries, we’ve got your back on all things accounting and taxation. Our accounting services in the UK are the real deal!
Chartered Financial Planners
Our team of financial planners ensure adherence to the highest ethical standards and industry qualifications in financial planning.
Financial planning
We go beyond basic investment advice, considering your entire financial picture, including retirement planning, estate planning, and risk management.
Investment advice
Our experts provide strategic guidance to help your money grow consistently.
Need help? Just give us a call! It’s free, and we’re happy to assist with any business struggles.
Ongoing financial support
We provide ongoing monitoring and review of your financial plan, adjusting strategies as your circumstances or financial goals evolve.
Financial health analysis
Pave the way for your business's future with our thorough business checkup.
We’ve got all your bookkeeping, VAT, payroll, Self Assessment, and cash flow needs covered. Delegate the work to us and relax.
Businesses that put their trust in our
financial planning services
We’ll help anyone who’s excited about their craft, committed to their passion, and interested in getting to the heart of the financial matter. Our USP lies in our ability to provide top level tax advice to business in a wide range of sectors and backgrounds. And we deliver brilliant results.
Proof we are not
bull*****ing!
“I have used Golding Accountancy for completing my property tax each year.”
I have used Golding Accountancy for several years now to sort out my property tax. Being completely ignorant in this area I have always relied on them to help me through this minefield and explain things along the way. They always take time to answer my questions and I have been more than happy with their service over the years. Particular thanks to Anthony Burrell for his patience!
Christine Petherick
“Best accountants by far”
Ian, Anthony and the rest of the team at Golding are helpful, professional and friendly. The team have completed my self assessment each year swiftly and efficiently without a hitch, they are always on hand to answer questions and provide advice regarding my accounts. Golding has also provided help and assistance when I re-mortgaged (twice) when my mortgage advisor asked me for information I didn’t even understand. Golding Accountancy go the extra mile and I would recommend them 100% for anyone looking for an accountancy firm.
Jim Miller
“#TeamGolding”
I have used Golding Accountants since January 2017 for my Sole Trader accounts & Tax Returns. Initially with Ian Butler and subsequently with Anthony Burrell, both have been extremely professional in their approach.
If I have any queries they are easily accessed by email or more than happy to take time out of their hectic schedule to reassure me.
My Tax Returns come back to me extremely quickly & easily understandable.
I am more than happy to endorse them both.
Sean Whitelamb
“I have been using Golding
for a number of years”
I have been using Golding for a number of years and they have been excellent in all areas. I must mention particularly Anthony Burrell who has guided me through the minefields of taxation like no other. I highly recommend them.
Mr Richard King
Our wide-ranging
tech stack
We work on the top software and applications in the industry, delivering to you the very best possible.
Fancy a cuppa
with us?
Get in touch with Golding Accountancy for guidance on the ins and outs of accounting, taxation and financial management. Let’s hang out – it’s on us!
PS: We love biscuits.
Or, email us at info@wearegolding.com
Or, email us at info@wearegolding.com
