The golden years – ensuring your comfort and peace of mind


We all dream of making the most of our retirement but what you planned some years ago to give you a comfortable income may no longer be enough. So it is important to review your savings and investments and find options that increase the return or pay you tax free income. After all, tax is simply another charge on your investments.


Investing to preserve your capital


Preserving your capital is a major priority for retirees and those approaching retirement. Whether you hold shares or invest in buy- to-let properties in Kent or elsewhere in the UK, you should review your needs based on recommendations matched to your available capital, appetite for risk and personal needs.


Equity release


If you are a retired homeowner you may be asset rich but cash poor. You could release some of the capital tied up in your home to help maintain or improve your standard of living. The options available can offer attractive solutions but, given the risks involved, it is important to discuss your situation with an adviser who can explain the disadvantages as well as benefits.


Inheritance tax planning


With the financial pressures on today’s youngsters, wise parents and grandparents want to ensure as much of their wealth as possible is passed down the generations. Obtain advice that will take this into account along with your own wishes and desires. Don’t let poor tax planning erode the assets you’ve carefully built up over your working life.


Long term care


A new Care Bill is making its way through Parliament and is designed to create an adult care and support system fit for modern times. A major objective is to make it clear that people will be expected to pay where they can afford to do so. This is a sensitive subject that many choose to ignore or leave their planning far too late. An adviser specialising in later life planning can provide advice on how best to protect and deploy accumulated wealth, including the many billions tied up in homes!


Wills and LPAs


Regularly reviewing your will is an important part of forward planning to ensure that your wishes are correctly recorded and reflect changing circumstances. A Lasting Power of Attorney (LPA) can enable others to look after your financial affairs, should an illness or incapacity affect your ability to do so.


A little planning now could give you peace of mind forever


A little planning now could give you peace of mind forever.


Invicta Independent Financial Advisers can help with all your financial planning enquiries. We are a local business offering a friendly but professional service to individuals and small businesses. Our specialist areas include:-


Mortgages | Income Protection | Life Assurance | Business Assurance | Pensions & Retirement Planning Annuities | Savings & Investments | Trusts & Inheritance Tax Planning | Equity Release


Invicta IFA


1st Floor, Falcon Court 73 College Road, Maidstone Kent, ME15 6TF


Tel 01622 662636 Email enquiries@invictaifa.co.uk Website www.invictaifa.co.uk


“We can`t thank you enough for making sure our invested money continues to grow in value, even during the last five difficult years. Your continued attention to our needs is faultless and all discussions have been carried out in a businesslike and friendly manner. What more could we ask?”


Registered Office: The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT. Registered in England No. 3330755. Invicta IFA Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority does not regulate taxation and trust advice. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £395. Your home may be repossessed if you do not keep up repayments on your mortgage. To understand the features and risk of an Equity Release plan please ask for a personalised illustration.


Maidstone South February 2014 21


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