Investments & Savings
Mclay James have been advising clients on their Investments and Savings over many years and have built a strong reputation for supporting clients in enhancing their wealth.
Whether the investment is for Tax Planning, School Fees Planning, Income or simply to provide potential growth, Mclay James as professional advisers will utilise all the available relevant investment opportunities to maximise performance.
The financial planning approach adopted by Mclay James ensures suitability of the advice which leads to the best possible outcome for clients...read more
Pensions
Paying into your pension may not be top of your to-do list, but delaying your retirement planning could impact the potential growth of your pension plus you could be passing up the opportunity for valuable tax relief.
Preparing for retirement doesn’t start in the days and weeks before you stop work.
With professional advice and regular reviews we can help you keep your retirement plans on track.
At Mclay James...read more
Tax Trusts & IHT Planning
“In this World nothing can be said to be certain, except death and tax’s” Benjamin Franklin in 1789
With greater wealth comes larger taxes and the subsequent consequences of this.
At Mclay James we understand that you may feel confused and overwhelmed by the sheer number of Taxes and Trusts around and how you can best manage or mitigate their effect on you and your family. We can, with our expertise and in conjunction with other professionals...read more
Protection
It is important to provide for people who financially depend on you and protection is the best way to do this
The main types of protection are;
Level Term Assurance
Pays out a tax-free lump sum upon death within the policy term and cover can be extended to include critical illness cover and terminal illness cover.
Decreasing Term Assurance – sometimes...read more
Long Term Care
Long Term Care insurance provides the financial support you need either yourself or for a loved one who is suffering from an illness or find themselves unable to perform everyday tasks due to frailty or disability.
Benefits can be paid tax-free, if paid to a registered care provider and taxed if paid direct to the plan holder. They can also be arranged to keep pace with the rising cost of care.
Government benefits may not be enough to pay for the full cost of long...read more