Manaton Associates - Independent Financial Advisers

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Investment
Pensions
Life Insurance
Inheritance Tax Planning
Tax Planning
Wills

'The Professional Choice'

Investment:

To invest any capital and any surplus income in tax efficient investments with the objective of providing a real rate of return for when the money is needed in the future.

Investment strategy whether for growth or income is agreed with our clients and regularly reviewed. We create individual diversified portfolios with the appropriate asset allocation to suit the clients’ attitude to investment risk. Regular valuations of client’s portfolios are produced and fully discussed with them. If required fund switches are carried out to ensure that the portfolios still meet the clients needs.

Further information on our Investment Advice Process, Fund Research and Selection Process is available on request.

Pensions :

As the Government prepares us to rely less on the State, we can help clients create an adequate and potentially inflation proof retirement income so that they may maintain their standards of living in retirement and continue to enjoy their leisure interests and pursuits. Pension Planning is a vital area of financial planning and we can offer expertise and technical advice in both the Corporate and Personal Pension markets, including Self Invested Personal Pensions (SIPPS) and transfers.

In partnership with our Solicitor contacts we are able to advise on all the ramifications of pensions and divorce, including Pension Sharing, Earmarking and Offsetting, to come up with the best financial solution for each individual situation. Further information on our Pension Advice Process is available on request.

Life Assurance :

We are able to advise clients about the making of adequate provision for the financial consequences
of their premature death, long-term sickness and disablement to surviving spouses and partners.

Inheritance Tax Planning :

There are many ways in which the taxation of the assets you leave to your family can be mitigated. Manaton can put forward the options available including the use of Trusts and life assurance, and examine the merit of each of these options as applied to your particular situation.

Tax Planning :

Manaton can assist clients with their tax planning. It is important that all tax allowances are used and we can advise on utilising capital gains tax allowances, the nil rate band for inheritance tax planning and all tax free ISA allowances. Advice on completing your tax return can be obtained from our associated Chartered accountants. Please contact us for details.

Wills :

It is imperative that everyone makes a Will. The problems that are faced by dependants when a loved one dies are compounded if no Will is in place. Manaton can explain the importance of writing a Will correctly and help you to choose a solicitor if required.

Fees / Costs:
You can choose how you would like to pay for our services. You can pay a fee, or we can accept commission from the Provider, or we can be paid by a combination of fee and commission. In any event we offer an initial discussion without charge, during which we will describe our services and more fully explain the payment options. Please see the ‘Key Facts about Our Services and The Cost of Our Services’ for further details.

Authorised and regulated by the Financial Services Authority. Manaton Associates Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 455416.

The FSA does not regulate some forms of tax planning

Site last updated:April 2010

MANATON ASSOCIATES LTD.
Southbridge House, Southbridge Place, Croydon, Surrey CR0 4HA
Tel: 020 8240 6522 Fax: 020 8240 6523
E mail: enquiries@manatonassociates.co.uk