You are unique. This is something we understand at Keystone and before we advise you we spend time getting to know you – what makes you tick, your plans, your values, your aspirations. Creating wealth underpins much of this. Money in itself is meaningless; a symbol that means different things to different people: freedom, security, independence, empowerment, status, relaxation, leisure and so on. The problem with money is it can easily be become eroded over time by tax, the rising cost of living and all the challenges life can throw up.
At Keystone we will work with you on developing a plan – a financial life plan. Your own blueprint that is unique to you. We work in partnership with you and ensure we understand you first before any advice is given – and our advice is then based on tangible goals that are meaningful to you, not vague ideas. Life is full of change and therefore so to do your plans, so at Keystone we will stay in regular contact and work with you adapting your plans to your life – not the other way round.
2. Preserve Wealth
Preserving wealth is just as important as creating it. It is ensures you have the ability to manage change – and the only constant in life is change. This can be changes that come about in your own life, or changes in the wider world that can directly impact on you and your plans. Indeed throughout your life your money will inevitably be under siege from change – changes in the economy, in tax law, in inflation or changes in your own life; marriage, children, your career, etc. Many of these can happen simultaneously and when they do they need to be factored into your wealth management planning. At Keystone our advisers can help you navigate though this sea of change preparing you better for the highs and lows that we are sometimes faced with. Ongoing planning and risk management play a key role in ensuring that your plans and aspirations remain on course – regardless of what life throws at you.
3. Pass on Wealth
Passing on your wealth is a deeply personal and private gesture to your loved ones. Of course we would hope that you will enjoy the benefits of both worlds – enjoying your wealth now with the people you love, but it is also important to ensure that your wealth is protected so your loved ones can continue to benefit from your hard work – and not the tax man. Estate planning makes this possible, but you need expert professional tax and legal advice to keep your wealth together once you have passed on.
Keystone Independent has the know how to help you with this challenging task. We work closely with specialist tax consultants and lawyers that have very in-depth knowledge and years of experience in helping people plan their estates to minimize any tax burden. As with most financial planning, the sooner you begin this process, the simpler it is.
Tax treatment varies according to individual circumstances and is subject to change.