How can we help you?

we offer a wide range of services for both private and business owners
Private Clients

Financial Planning is an on going process to help you make sensible decisions about your money that can help you achieve your goals in life.

Whether building a financial plan with you from the start, or reviewing your existing arrangements, we can provide independent advice to guide you in defining your objectives and tailor a strategy to meet your individual needs and therefore achieve your goals.

Our team can help you with:

Financial Planning

To help to secure a strong financial future by getting the most out of your assets and income.

Inheritance tax and estate planning

We can help you ensure that your loved ones and chosen beneficiaries get the most out of your estate and help you plan for any inheritance tax liability.

Investment Planning

Independent advice on the best way to put money aside and tax-efficient investing whether you are looking for growth or income, we can help you plan for you or your families’ future.

Retirement Planning

Tailored pensions advice to ensure that you can afford to retire when you want to and with the lifestyle that you desire, by showing you how to maximise your potential retirement fund.

Protection Planning

Delivering peace of mind to you, by helping you to make sure that you and your family are taken care of financially should the worst happen.

Mortgage Advice

Having access to the ‘whole of the market’ enables us to find you the mortgage that is perfect for you, your needs and your circumstances. With a competitive mortgage market it is essential that you receive expert advice to ensure that you make the most of the best mortgage available to you.

Wealth Management

A robust Investment Philosophy to ensure that you meet your financial objectives.

Safeguarding your wealth

We can help you make the right provision to protect your wealth, whether that’s your home or your future income.

Business Owners

At Quays Wealth Management we believe in working with you on a long-term financial planning strategy ensuring your organisation flourishes and reaches it’s potential.

Financial Planning for business owners is an ongoing process to help you as a business owner to make sensible decisions about how a financial plan will aid your business to achieve your strategic goals and objectives set out in your company vision.

Our team can help you and your business with:

Group Retirement Planning

Helping you to select a pension scheme and roll out to staff, leaving you free to concentrate on running your business.

Successions Planning

Plan for the future of your business for when the time comes that you are no longer able to run your company or no longer wish to.

Shareholder or Partnership protection

Keep control of your business if a shareholder or business partner dies or suffers a severe illness.

Key Person Cover

Protect your profits if you lose an employee through death, disability or severe illness, ensuring stability in your business at a difficult time.

Loan Protection

Providing your business protection on outstanding business loans.

Employee Benefits

We can help you with an employee benefit plan to suit your requirements, whether you wish to offer healthcare and other P11D benefits to your employees.

Managing Cash

We can support your business to ensure you make the most of surplus cash within your business to ensure good maximum returns.

Business Protection

At Quays Wealth Management we believe that business protection is one of the best ways to safeguard the future of your business.

We understand that businesses have an evolving landscape and at times business involves an element of uncertainty. We work in partnership with our business owners to manage their protection requirements as their business changes.

We appreciate that every business or organisation is different, however we believe that there is one thing in common, it’s the people that make your business run efficiently, and without them or even yourself your business would have a hard time functioning.

After all, premises can be rebuilt, content and material assets can be replaced, but replacing a person is not that straight forward. Ensuring that you have the relevant protection policies in place to guarantee that your business can survive the loss of an individual, including yourself is essential.

We work with our business owners to answer the difficult questions:

  • Does my business rely on key individuals to function?
  • Could my business survive without those individuals?
  • What would happen if a director were to die? Or be diagnosed with a critical illness?
  • Would I be able to retain control of the business?
  • Is there a written agreement in place as to what would happen in these circumstances?

Key person cover protects your profits if you lose an employee through death, disability or severe illness and would support your business financially to recover from that loss.

It is important for us to comprehend what would damage your business the most? So that our professional advisers can provide independent and tailored financial advice to ensure that your business is fully protected should the worst happen.

Whether you are looking for a full business protection plan, shareholder protection, relevant life policy, key person cover or loan protection, we can provide the best solution for your business.

Auto Enrolment

The law on workplace pensions has changed. The new pension legislation is onerous on employers to understand and carry out their responsibilities, including enrolling those who are eligible into a workplace pension scheme and contributing towards it.

This is called ‘automatic enrolment’ because it is automatic for staff – they don’t have to do anything to be enrolled into a pension scheme, but it not automatic for employers. There is no ‘DO NOTHING’ option!

Since October 2012 UK employers have been required to automatically enrol employees into a ‘qualifying workplace pensions scheme’, as the Government have used employers to fund pension shortfalls.

  • Employers with at least 500 staff complied in November 2013
  • Employers with at least 50 staff complied in July 2014
  • Employers with less than 50 staff will be required by the end of 2015

The minimum contribution levels will be phased in between October 2012 and April 2019. There will be a minimum contribution of 8% of qualifying earnings, of which the employer must pay a minimum of 3%.

Our specialist Pension team at Quays Wealth Management are equipped to review existing pension schemes in line with Auto Enrolment changes; they can brief on Auto Enrolment regulations and support you and your business in implementation and budgeting advice.