"We provide our clients with bespoke financial solutions to suit their personal needs and objectives"
Wealth management advice to individuals, trustees and businesses, which is specifically designed around their individual circumstances. We will take the time to get to know you and your requirements, offering sound and trustworthy financial advice that adapts as your needs change over time.
The value of an investment with CI-Associates will be directly linked to the performance of the funds selected.
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.
We offer a range of carefully constructed, risk-rated portfolios that enables you to spread your investments across a wide range of asset types and countries, and to choose fund managers with different investment styles to create a balanced and diversified investment solution.
We understand that people have little time to manage their finances as effectively as they would like. That’s why at CI-Associates we take the time to get to know you and your requirements, so that we can find the right solution to make your money work harder for you.
Running a business today takes a great deal of hard work and commitment. Increasingly, the pressures of running a successful business take priority over the time spent on planning your and your employees’ financial security.
CI-Associate Partners are not only experts in their chosen fields – they also have access to other specialists so that, through one relationship, your business can benefit from expert advice in every area of corporate financial planning.
Insuring anything other than human life is referred to as general insurance and covers property such as your home, your business and belongings against fire and theft, or vehicles against accidental damage or theft. Personal liability as a result of any accident can also be insured and this type of insurance is compulsory in some cases.
Education is a key subject and one that’s often the source of heavy debate. Where do we want our children to be educated? Where are the best schools and teachers? What type of education do we want to be able to provide and, importantly, how much will it cost?
As parents, we want the best education for our children and we want to be able to afford it. Yet, when we take a look at the costs, it can be a bit of a shock.
A Qualifying Non-UK Pension Scheme (QNUPS) has a few tax advantages that can appeal to an investor. The rules of a QNUPS also allow investors to pay contributions into the scheme, or from transfer of a QROPS.
They are ideal for UK citizens who live in the UK or elsewhere and who want to retire, at some point, in the UK.
You can pay into QNUPS with cash, assets and even a residential property. How flexible is that! Your pension fund suddenly becomes a dynamic asset that can be made use of in so many ways.
You can even withdraw a lump sum and still invest. You can’t do that with a QROPS. You can keep paying into the QNUPS and withdraw a regular income after retirement. This means that you can keep on working for as long as you want, or not. There are no employment rules preventing you from contributing to the pension scheme.
You don’t need to be employed to make contributions.
No capital gains tax.
No lifetime limits on fund size.
No investment restrictions: you can invest, or withdraw, in any currency.
Possible exemption from UK inheritance tax.
Contributions can be made from any source, not just income.
Self-Invested Personal Pensions (SIPPs) are best suited to investors who want greater control over their wealth and financial assets.
SIPPs are pensions that hold investments until you retire and start to draw a retirement income. They work in a similar way to a standard personal pension but the main difference is that, with a SIPP, you have more flexibility to choose your investments.
SIPPs give you the freedom to choose and manage your own investments.
100% Control and wide choice of risk appropriate investments.
You can consolidate multiple pension schemes.
Flexi Access from age 55 or GAD rates.
Pension Commencement Lump Sum (PCLS) a guaranteed 25%.
Approved by Her Majesty’s Revenue and Customs (HMRC).