Sefton Financial Advice Bureau Ltd
Tel 01704 834700
Advantages of Investing with Sefton FAB Ltd
We have access to investment platforms that offer a wide range of investment options to meet your needs. To help you achieve your financial goals, we can invest your capital within innovative risk-based strategies from many financially strong insurance providers and several leading investment managers or we can construct a bespoke personal portfolio plan, choosing from more than 5,000 funds.
Our exclusive relationship ensures you get the best possible on going service and advice throughout the lifetime of you plans. We keep you fully informed and ensure you are on target to achieve your goals.
We complete regular reviews to ensure your circumstances haven't changed and that you investment plans still match your particular attitude to investment risk. We will keep you aware of the features, benefits and flexibility of your plans so they can be adapted to any changes in your circumstances.
New Individual Savings Account (NISAs)
NISAs are a great way to build up savings in a tax efficient manner. Whether you are savings for education Fees, a wedding, a special anniversary or just for future family events.
Deposit Based NISA ( Clients aged 16 or over)
All interest is tax free of Income Tax and Capital Gains Tax. Even more beneficial for higher rate tax payers
Investment NISA (Clients aged 18 or over)
No personal income tax or Capital Gains Tax on the profit earned. No need to declare on your tax return. Even more beneficial for higher rate tax payers
Allowances for Tax Year April 2015/2016 . £15240 per adult and UK resident.
The £15240 can all be placed in an Investment ISA Or all be placed in a cash ISA. Or can be placed in a mixture of both Investment and Cash ! Each tax year you will receive another allowance so you can top up your existing holdings in a Cash ISA or an Investment ISA.
Transferring your ISAs. You can transfer your Cash ISA to another Cash ISA provider for possibly a better interest rate.
You can transfer all of your Investment ISAs to one provider, possibly for a better service, lower charges or simply, ease of administration.
If you are looking for potentially higher returns, you can transfer from your Cash ISA to an Investment ISA.