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Whilst our investment style is bespoke to each client, we have over recent years begun to create a standardised approach to our Asset Allocation Process.
The correct asset allocation of a client’s investment portfolio is the bedrock of the Swallow Financial Planning investment process. This note is designed to explain how asset allocation works and why it is so important to the future success of your investment performance.
For most people, their big concern is whether or not they have sufficient assets to support them when they are at their most vulnerable. Generally, this will be when frailty, and/or sickness mean they need care or have to go into residential accommodation. These notes are designed to provide some background about the subject.
Key person insurance is the provision of a protection to a business against the death and/or disability of a key employee. We have separate notes available which explain the protection of shareholders and partners interests in their businesses.
The consideration of succession when one is looking at a closed limited company or a partnership is always a difficult one. These notes consider some of the options for protecting a business where there are a few shareholders / partners. We have separate notes available which explain the protection of the business alone (i.e., key person insurance).
An introduction to attaching trusts to financial products and services.
As a recommended adviser for the Society of Later Life Advisers (SOLLA) we are frequently asked to advise on home income/equity release plans. These notes are designed to provide some general background information to consider the options in this quite complicated area.
The following notes are designed to explain the principles behind the more common loan alternatives available today.
The most common endowment descriptions used are with profit or unit linked endowments. Low cost endowments are often used to repay commercial and residential mortgages.