We understand that the birth of children and grandchildren, marriage and divorce, planning for retirement, long-term care and inheritance tax issues could all potentially affect your personal finances at some stage.

With this in mind, you can be assured that SFS will help you find the best way forward and help you understand your goals to explore the different ways of achieving them. All of our Advisers are committed to helping you make the best financial choices and will explain things clearly and concisely.

Your Adviser, and our dedicated teams at head office, has a number of planning services available to you on a fee free and no-obligation basis.

 

Our services available to you

Monitored Informed Investing (MII)

Our wealth of experience and expertise within the financial services allows us to continually enhance and develop the way we can help our clients achieve their financial objectives. The culmination of our drive to deliver the best investment solution for our clients is Monitored Informed Investing (MII).

MII which is available to clients with over £25,000 to invest, combines several best of breed elements which aim to ensure that your investments achieve consistently above average performance and is your opportunity to benefit from a unique market leading offering.

Our full MII offering is available for all investments into MII Core Fundsmade through SFS and its balanced approach to investing, whilst constantly montioring your investments, has been developed to maximise your potential returns within your risk profile.  Click here to find out more.

Investment and Retirement Planning

As your life and circumstances change, so does your needs and priorities. By taking control of your finances today you can affect the provision you make for your retirement and the savings you require at such a time.

Your SFS Adviser is able to guide you on your investment arrangements such as:

• Tax-efficient savings - such as Individual Savings Accounts (ISAs).
• Unit Trusts and Open Ended Investment Companies (OEICs).
• Various Investment Bonds - including Distribution, Fixed Rate and Income.

Retirement Income Service

Our Retirement Income Service helps you make the best use of your retirement fund. To ensure that you gain as much income from your pension annuity or pension fund, our specialist Advisers are able to shop around, on your behalf, to find the best deal available to you. What’s more, we can organise all this by telephone at your convenience.

Inheritance Tax Planning

Having worked hard all your life to build your financial portfolio and assets, it’s upsetting to know that 40% of everything you own over £325,000 if you are single or divorced or £650,000 if you are married or in a Civil Partnership, could be given back to the Government in inheritance tax (IHT).

Rises in house prices and increasing wealth could well mean that your loved ones may already be liable to pay the IHT liability before they can inherit what is rightfully theirs. With the right planning through SFS, you can reduce or even eliminate this tax altogether - potentially saving their beneficiaries thousands on pounds.

Legal Services

A Will is a crucial and natural extension of your investment and IHT planning, yet it is surprising that the majority of adults have not yet made one. In partnership with some of the best legal Advisers in the UK, we offer our clients a flexible and straightforward Will Writing and Estate Planning Service that can be completed by post, in your own time and from the comfort of your own home. Or, if you would prefer, your adviser will meet you to plan your Will at the same time as reviewing your investment portfolio.

Our Will Writing pack contains everything that you need to prepare for the drafting of a will, at a very reasonable cost, allowing you to be the one who decides how your assets are distributed. Please note, additional fees would be payable should you require the services of a legal professional.

With Profit Bond Review Service

The returns from With Profit Bonds have been disappointing in recent years, leaving customers to consider encashing them. As we appreciate that these bonds are often complex investments and can leave clients confused as to what to do next, we offer a fee free With Profit Bond Service.

We will assess your Bond and discuss the choices available to you and provide you with a full and comprehensive report together with details of how your Bond is performing.

Investment Consolidation Service

If you have investments managed by different companies and find it difficult to keep track of them all, SFS offers a Consolidation Service (in conjunction with FundsNetwork) where they are all listed on one statement. Whilst they are held with the same companies, we are able to send you up-to-date valuations on all your holdings whenever you need them.

This service is a quick and easy way to implement any changes required to your investment portfolio as and when appropriate.

Mutual Reward Scheme

From the praise and recommendations we have received from clients on the advice and service they have received, we’ve turned these accolades into something that benefits you - the customer.

When you recommend a family or friend (who are not already a customer) to use the services of Skipton Financial Services Limited (SFS) and they complete business with us, we offer you either £100 to a Charity of your choice or £80 worth of gifts for yourself.

 

If you would like us to call you, just click here.

Alternatively call:
0800 137 832

Our corporate brochure will help you find out more about Skipton Financial Services.

To find out more about any of
the services we’ve mentioned
simply:

• Contact your SFS Financial Adviser
• Call a member of our Client
  Help Line on 0800 137 832
• Visit your local Skipton
  Building Society branch to
  arrange an appointment with
  an SFS Adviser

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