Jigsaw Financial Associates Limited

Financial Advisers (Independent) in Newtownards

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Sketrick House
Jubilee Road
Newtownards
County Down
BT23 4YH

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Opening hours

Monday to Friday: 9am - 5pm

Saturday to Sunday: Closed


Key Services

isa, life assurance, retirement



About

Jigsaw Financial Associates - Personal & Business Financial Planning Advice in Northern Ireland

We are a Financial Planning Practice with our head office in Newtownards and we have advisers based throughout Northern Ireland. We believe in building strong, long lasting relationships with our clients.

This means:
- Quality Impartial Financial Advice you can trust
- Outstanding ongoing service
- Professional, Qualified and Ethical advice

We believe in transparency, openness and impartiality with our clients at all times
Financial Advice can be a complex area. We provide sound Financial Plan

Life Assurance, Critical Illness Insurance, Income Protection

In life, unexpected things have a habit of happening, but with the help of an Adviser you can take action to minimise some of the financial effects.

In the event of sickness, accident, redundancy, death or a critical illness either you, or your partner, may ask yourself the following:-

How would I cope?
Who would I rely on?
How can I repay my debts?

The lack of planning for such an eventuality can have disastrous effects on an individual and family.
It is therefore essential that the correct level of protection and product is given due consideration so that you have “peace of mind" should one of the above circumstances affect you or a loved one.

Savings and Investment

For the majority of our clients a key objective is to achieve significant growth in the value of their capital over time, and then preserve the value of that capital for themselves and their family. We recognise that investment management is not only about good performance, but also about competitive costs. In designing solutions for you we will:-

Look at your complete financial situation and future needs
Assess your tolerance to investment risk and what risk means to you
Aim to minimise your liability to taxation, both now and as far as possible, in the future

Recommend products that are the most appropriate for your individual circumstances
As a result you can be confident of the future and be assured that your Jigsaw Financial Associates Adviser will be with you for the journey.

There is a wide range of investment products in the market place, both for lump-sum investment and regular savings e.g. Individual Savings Accounts (ISAs), Investment Bonds and Unit Trusts. We will consider all relevant options and advise accordingly.

THE VALUE OF YOUR INVESTMENTS CAN DO DOWN AS WELL AS UP. PAST PERFORMANCE IS NOT A GUIDE TO THE FUTURE

Retirement Planning

There are three distinct stages to retirement planning:-

“Pre" retirement – Building sufficient funds ahead of retirement to sustain your chosen lifestyle
“At" retirement – Making the right decisions when you decide to give up full time work
“In" retirement – Managing your income for the rest of your life

We recognise that each one of us is different, and there are many factors to take into account e.g. the size of your funds, your own personal circumstances including your health and whether you need to provide a pension for a dependant after your death. It is important that you take your time and make the right decisions.
Some of the areas that we will advise you on are as follows:-

How best to build up a retirement fund, tax efficiently
Annuities
Income Withdrawal Plans
Investing a lump sum of money for either capital growth or income

Mortgages

With so many different schemes on the market, deciding which mortgage is most suitable for you is a complex task that requires professional and experienced advice.

All our mortgage advisers are professionals and share the objective of eliminating the stress of choosing the right mortgage product.

We always talk to you in a way that is clear and easy to understand, listen to your needs and aspirations and provide clear concise impartial advice.

Your Adviser has access to the whole mortgage market and many exclusive deals that are not even available on the High Street. This means we can recommend the very best mortgage and protection products that best suit your needs.

The types of area that we can advise on include:

Mortgages to buy your first property, or to move house
Re-mortgaging your existing home
Buy to Let Mortgages *
Purchasing a second home

Even if you are not moving or in need of extra funds, we may be able to make your mortgage work better for you by looking at your existing arrangement and comparing this to the offers that are currently available within the market place.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED UPON IT

Inheritance Tax Planning

Inheritance tax has rather humorously been described as a voluntary tax, due mainly to the fact that there are many ways to mitigate it that quite a lot of people make no efforts to do.

We all work hard to build up capital and we want to make sure that our loved ones get as much of it as possible, and not the Taxman...or do we, maybe Lord Jenkins got it right when he said:

“Inheritance Tax is a voluntary levy paid by those that distrust their heirs more than they dislike the Inland Revenue"
Why do I need Advice on Inheritance Tax Planning?

You might consider taking advice on Inheritance Tax Planning to:
Keep your assets within your family
Protect your Nil Rate Band if you were to die and your partners re-marry
Protect assets passed to children / grandchildren from the risk of them becoming bankrupt or divorced
Protect your assets from the need to fund long term care in later life
Reduce Inheritance Tax
Avoid Inheritance tax

If your estate – made up of your home, car, possessions, savings and investments – totals more than £325,000, 40% of the value over this threshold will be owed in Inheritance Tax.

So a lot of what you believe you're leaving to your family may go to someone entirely different, and it doesn't end there.
Until your loved ones have paid the tax bill, they won't receive any of your estate at all. The taxman will hang on to it until the debt is settled.

As your estate increases, so does your tax liability as per the following examples.

Estate £400,000 £500,000 £600,000 £1m
IHT Liability £30,000 £70,000 £110,000 £270,000

We at Jigsaw Financial Associates Limited like to think that most people want to pass on as much wealth to their heirs, and nothing to the Taxman, whilst retaining as much flexibility as they can. We understand the importance of Inheritance Tax planning in order to ensure a brighter future for those left behind when you die. With many solutions available, it is importance that you seek Independent Financial Advice, often in conjunction with an accountant and solicitor.

IHT RATES, ALLOWANCES AND THRESHOLDS ARE SUBJECT TO CHANGE IN THE FUTURE AND IHT LIABILITIES ARE SUBJECT TO INDIVIDUAL CIRCUMSTANCES

*this is based on a single individual non-widowed

Trading Since

April 2010

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Products and Services

We offer these services

  • Wheelchair access
  • Free Parking
  • website

We offer these payment methods

  • Cheque
  • Bank Transfer

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