This booklet provides a glimpse of who fmifa are and how we can work with you. Our retirement and wealth management services are summarised to show how these could help you.

A checklist by age to ensure you are on track with your retirement savings. We recommend reviewing this booklet annually.

A brochure to provide an introduction on gifting, allocating pension benefits and Inheritance Tax planning.

FM’s Strategic Income Portfolio is a bespoke solution built for clients of fmifa. It provides a consistent monthly income without disturbing the underlying capital.  The target income is a 4% yield.

The world of investing is overflowing with metaphors, adages and fables, so here are our top seven principles for keeping your focus during periods of uncertainty.

Here is a infographic of the main tax numbers which apply to day to day financial planning.

A leaflet to show the different tax mitigation options to consider and the level of risk associated with each option.

A leaflet to show the different options available when you reach retirement and a list of financial considerations.

A leaflet to help you identify the most appropriate protection policies you should have in place for you and your family for when you die or if you become ill. It will cover what’s available, who should buy it and who benefits.

A leaflet to provide additional details on Equity Release. Equity Release can be a highly valuable extension to your retirement planning and a simple, efficient option to help deal with issues surrounding Inheritance Tax.

This fact sheet explains the benefits of creating a Will and Lasting Power Attorney.

Business Relief qualifying shares owned for at least two years can be passed on free from inheritance tax on the death of the shareholder.  These portfolios are quite high-risk investments and savers need to be happy that there is going to be volatility involved.

After creating a Will, it is also helpful to record your personal wishes so your Executors know your preferences and reasoning to help guide them to make important decisions when you die.

To access the interactive version, save the document to your computer as you’ll need Adobe Acrobat to complete it online.

If you prefer a hard copy or an e-signature version, please let your adviser know.

When you have completed this document, it is really important to sign and date it. Keep it in a secure place at all times as it will contain sensitive and confidential information. We recommend you store this alongside your Will but do not attach it as this may invalidate the Will.

If you have questions, please contact us, we are always happy to help you.