Human-Centric Technologies

Discover Our Solutions

Business Planning

Businesses face complex planning challenges whether they are growing or starting up. We support business owners throughout their financial lifecycle. From establishment, to investing profits and planning what to do with the proceeds of a sale:

  • Business Property Relief (BPR)
  • Employee pensions
  • Internal investment bonds
  • Key person protection
  • Life insurance
  • Lump sum investments
  • Shareholder protection

Inheritance Tax And Succession Planning

Inheritance tax planning can become a major part of your financial plan. By discussing your long-term goals, we can help safeguard yours and your family’s assets:

  • Business Property Relief (BPR)
  • Employee pensions
  • Internal investment bonds
  • Key person insurance
  • Lump sum investments
  • Shareholder protection

Insurance

Insurance policies don’t have to be prescriptive. Our role here would be to review insurance and restructure them to fit each individuals needs:

  • Critical illness insurance
  • Home and contents insurance
  • Life insurance
  • Permanent health insurance
  • Private medical insurance
  • Whole-of-life insurance

Investments

Whether it's retirement savings, property sales or school fees, deciding on the right investment strategy takes time and resources. Something most clients don't have. Lathe & Co abide by three core principles when advising on investments.

  1. Investments should match your risk appetite.
  2. They provide diversification through correct asset allocation.
  3. They should give you the best possible chance of acceptable returns over appropriate time frames.

Our team access solutions such as:

  • Bespoke, discretionary fund management
  • Guaranteed funds
  • Investment trusts, Exchange-Traded Funds (ETFs)
  • Multi-manager, multi-asset funds
  • Passive, algorithmic index funds
  • Single-manager, actively managed funds
  • Structured products
  • Enterprise Investment Scheme (EIS)
  • Venture Capital Trusts (VCTs)

Mortgages

Whether you are a first-time buyer, seasoned landlord or looking for a better rate, finding the right loan can be as time consuming at it is confusing. Our role is to search the whole of the market to meet our clients’ needs and tie in their property objectives with the rest of their financial plan as a whole:

  • Buy-to-let portfolios
  • First time buyers
  • Purchasing new property
  • Re-mortgaging
  • Stamp duty advice

Pensions

It's the number one question we're asked when it comes to retirement planning. What is it, how does it work, and how can it work for my financial planning? We support our clients through the process from beginning to end. As they embark on their career to when they're ready to draw down on their pension:

  • Annuity purchases
  • Arranging Self-Invested Personal Pensions (SIPPs)
  • Asset allocation and diversification
  • Company pension schemes
  • Contribution forecasting
  • Efficient pension access options
  • Flexi-access drawdown
  • Inheritance tax planning
  • Reviewing current retirement plan
  • Risk rating current underlying investments

Taxation

In an ever-changing legislative landscape, it can be challenging to stay up to date with tax allowances. The government allocates various tax wrappers which increase the tax efficiency of an investment, we can advise on multiple tax wrappers to help clients with their tax planning.

Tax treatment varies according to individual circumstances and is subject to change. These include:

  • Alternative Investment Market (AIM) portfolios
  • Business Property Relief (BPR)
  • Entrepreneurs Relief
  • Individual Savings Accounts (ISAs)
  • General Investment Accounts (GIAs)
  • Offshore bonds
  • Onshore bonds
  • Personal pensions
  • Self-Invested Personal Pensions (SIPPs)
  • Enterprise Investment Scheme (EIS)
  • Venture Capital Trusts (VCTs)

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested. VCT’s and EIS invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies.

Take us and Your Money Everywhere

A personalised app that allows you to view your portfolio and get in touch with an adviser wherever you are in the world.

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“I have been advised by Alistair Fullerton for a few years now. At all times I have appreciated his professionalism and proactive help. Most of all, I have valued his ability to set out options and advice in clear and comprehensible terms. I would be more than happy to recommend him.”

John Rooley, CEO, Insurance Broking Firm

Contact Lathe & Co