Our services
Kascade's Offering
1.Financial Goal Setting and Planning
- Personalised Financial Plans: Developing tailored financial strategies based on your unique goals, risk tolerance, and financial situation.
- Budgeting and Cash Flow Management: Assisting clients in creating and maintaining a budget, managing income, and controlling expenses to achieve financial stability and meet their objectives.
2. Lifestyle Financial Planning
- Life Planning: Incorporating personal and lifestyle goals into financial planning, ensuring that financial strategies align with your desired lifestyle, values, and aspirations.
- Life Event Planning: Offering guidance on financial considerations for major life events, such as marriage, divorce, having children, career changes, and retirement.
3. Protection & Insurance Planning
- Insurance Needs Analysis: Evaluating your insurance needs and recommending appropriate coverage, such as life insurance, critical illness insurance, and health insurance.
- Risk Mitigation Strategies: Identifying potential risks to the client's financial plan and developing strategies to mitigate those risks through insurance or other financial products.
4. Investment & Retirement Planning
- Advice and implementation of longer-term investment strategies that align with your values and goals. Monitoring and reviewing your strategy with you to ensure it continues to reflect your investment purpose.
- Retirement Income Planning: Developing strategies to ensure a steady income stream in retirement to meet your need for flexibility and security.
- Pension Planning: Advising on pension options and targeting a comfortable retirement.
5. Education Planning
- Savings for your children or grandchildren’s future through various vehicles.
6. Debt Repayment Planning
- Debt Analysis: Reviewing and analysing client debt, including mortgages, credit cards, and student loans, to develop strategies for reducing and managing debt effectively.
- Debt Repayment: Creating plans to pay down personal debt efficiently while balancing the impact on other financial goals.
- Mortgages: working with other professionals to provide advice and implementation of your borrowing needs to secure or improve a property.
7. Tax Planning
- Tax-Efficient Investing: Structuring investments to minimise tax liability, taking advantage of tax relief, tax-free and tax-deferred product wrappers and other tax-efficient strategies.
- Liaising with other Professionals: Collaborating with tax professionals to streamline your planning. Identify and implementing potential tax savings opportunities.
8. Estate Planning
- Legacy Planning: Helping clients establish a comprehensive estate plan, including wills, trusts, and other legal instruments to ensure their assets are distributed according to their wishes.
- Wealth Transfer Strategies: Designing strategies for cascading wealth to loved ones in a tax-efficient manner while preserving family wealth and minimising inheritance tax.
9. Ongoing Monitoring and review
- Regular Progress Reviews: Continuously monitoring your financial plans and investments, annually as a minimum, adjusting as necessary to stay on track with your goals.
- Performance Reporting: Providing regular updates and reports on portfolio performance, market conditions, and other relevant financial matters.
Kate .. has provided professional, clear and informed advice in a friendly manner enabling me to make the appropriate financial decisions.
Graeme - Lamberhurst
Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice.
The Financial Conduct Authority does not regulate estate planning or tax planning.