Wychwood Financial Limited Information

"An investment in knowledge
always pays the best interest"
Benjamin Franklin

For knowledgeable and local financial advice
in Knutsord
Wychwood Financial Limited
Independent Financial Advisers

INCOME & FAMILY PROTECTION
You and your family can benefit from

Life cover
Lifelong security
Income protection
Should illness strike

Peace of mind
comes with the right policies from
Wychwood Financial Limited
Independent Financial Advisers
covering Knutsford.

SAVINGS AND INVESTMENTS
Whether you are looking for

Investments with regular income
Savings with capital growth
Investments with a little more risk
Secure investments
A financial trust

Financial advice from
Wychwood Financial Limited
will help your savings and investments
achieve their return goals

INHERITANCE TAX PLANNING
FOR KNUTSFORD
The recent increase in house values means that more people are likely to pay IHT. If your estate is above the nil rate band (£325,000 for the tax year 2009/2010), your heirs and beneficiaries could inherit less than you think. Anything above the nil rate band is taxed at 40% but, with just a little planning, this could be avoided.

PENSIONS AND RETIREMENT
Dreaming of retiring to the sun,
or time with the grandchildren?

Whatever your retirement dreams,
ensure they become reality
with sound financial advice.

At what age do you want to retire?
What monthly income do you need?
Do you have provisions in place?
What is your tax position?

Sound retirement planning advice
comes from
Wychwood Financial Limited
Independent Financial Advisers for Knutsford.

Are you changing employer?
It may be a good time
to assess your pension provision
and make the most of your pension options.

Important Pensions News:

Currently you are allowed to draw your pension from age 50 but from 6 April 2010, the minimum age at which benefits can be taken from a registered pension scheme (known as the normal minimum pension age) will increase to age 55.

If you were born between 6 April 1955 and 5 April 1960, this leaves a short window of opportunity to bring new benefits into payment before age 55. If benefits have not been taken by 6 April 2010, no new benefits can be taken until age 55 - almost a five year delay in some cases.

Please remember that you do not need to retire to draw pension benefits and you can access your Tax Free Cash (Pension Commencement Lump Sum) without needing to immediately draw income.

If you wish to discuss this further please contact us on 01606 869600.

Any reference to legislation and/or tax is based on our understanding of United Kingdom law and HM Revenue & Customs practice at the date of production. These may be subject to change in the future. Tax rates and reliefs may be altered. The value of tax reliefs will depend on your financial circumstances. No guarantees are given regarding the effectiveness of any arrangements entered into on the basis of these comments but we will be pleased to provide advice after we have fully discussed your circumstances.

Wychwood Financial Limited
Independent Financial Advisers
For Knutsford

We have the financial knowledge
To help you make the right decision
Call us now on 01606 869600

Wychwood Financial Limited are regulated
by The Financial Services Authority

Legal Notices
Wychwood Financial Ltd is authorised and regulated by the Financial Services Authority.
Taxation and trusts are not regulated by the Financial Services Authority.

Useful Links
www.fsa.gov.uk

www.fsa.gov.uk/consumer/keyfacts/index.html

Please mention The Best of Knutsford
when contacting Wychwood Financial Limited
Independent Financial Advisers for Knutsford