Nov 5, 20241 min read
Our Guide to the Autumn Budget 2024 is now live
If you would like advice on how the changes made to Inheritance Tax, CGT, or Pensions may affect you, please get in touch
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About Opal Financial Management
Advice as individual as you are
We are committed to providing independent advice and constructing financial solutions using products from the whole of the market. Financial advice is provided exclusively by qualified and experienced practitioners and is regulated by the Financial Conduct Authority.
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We offer an initial discussion (at our cost and without charge) when we will describe our services more fully and explain the payment options. Following our initial discussion, if the decision is to go ahead there is a cost for our advice and services
The financial decisions you make can affect your current and future lifestyle and your ability to achieve everything you desire from life, so it’s important to get them right. To do this, you need to be well informed and armed with all the facts, in a way that you understand.
This is where the expert, professional advice of a financial adviser is indispensable in helping assess your own unique circumstances and developing a financial strategy designed to make the most of your money and help you reach your financial goals.
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Whether you’re looking to save for the future, generate cash for the present, plan your perfect retirement or invest in a tax efficient way, there are a number of important decisions you’ll need to make about how, when and where to invest your money.
OUR FINANCIAL ADVISERS CAN HELP YOU:
• Understand the importance and practicalities of pensions and investments
• Help you understand financial terminology and services in a ‘jargon’ free environment.
• Make sense of relevant tax rules and financial regulations to achieve your financial goals
• Help you match your appetite for risk with the appropriate financial decision
• Achieve peace-of-mind by building a road map of objectives to see you and your family protected.
Opal Financial
Management
Advice as individual as you are
There are generally 5 stages to wealth over a life time. Typically, the accumulation stages require saving and investing in anticipation of retirement, when you will then begin tapping into the built up nest for retirement income.
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Find out more about what we have to offer by checking out our services section. No matter what stage of life you are in, the team at Opal Financial Management are here to help
ENTERING THE WORKFORCE & THE CAREER YEARS
Retirement can feel like a long way off when you first start out in your career, but this is the ideal time to start thinking about how much money you might need in the future to maximise your standard of living, and how much you can afford to put aside now to save for it...
PRE-RETIREMENT YEARS
Before you retire, you need to consider whether you are in a strong enough financial position to actually do so. As your career progresses and brings with it a higher income you may well begin to naturally find yourself earning more and spending less, so the good news is that it could even be that you are able to retire earlier than you expected...
EARLY RETIREMENT YEARS
Retirement means different things to different people. It might be that you stop working altogether, or you might slow down or scale back, while maintaining a smaller, steady income. This is the perfect time to make sure you are maximising any benefits you may be entitled to so that you can worry less about money and more about how to enjoy your new-found time...
Client Guides
Use the sliders to check out the different client guides we have free for you to download.
Simply click on the image to download the PDF.
Devon | January 2023
"Paul has given us solid advice over the years, listened carefully to our plans and tailored investment opportunities accordingly. There is nothing he could have done better"
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