Financial

More and more of our clients are looking for an holistic approach to their business and personal financial planning, combining pensions, investments and protection as well as IHT planning.

Demack Financial Services

Inevitably, as your business grows, your needs will change significantly. You may be thinking about how additional funding could give your business the space to breathe, to achieve the next level. Equally, you may be feeling under pressure to conduct a strategic planning review at the same time as approaching important day-to-day issues such as payroll and taxation.
As well as offering invaluable advice on your accounting and compliance requirements, Wellers can breathe new life into the financial implications of sustaining your business growth. Put simply, we can help you work on your business, as well as in it.

Pensions
The current regulations relating to pension schemes are becoming increasingly complex and have been the subject of a continuing overhaul. Since the introduction of The Pensions Act 1995, almost all pension schemes are required to have an audit. Only the smallest schemes are able to claim exemption and Trustees face sanctions where an auditor is not appointed when necessary.
Wellers acts for a number of schemes including final salary, defined contribution, and mixed-element or hybrid schemes. Our pension audit department acts for one national pension provider auditing over thirty of its schemes. Discover how the key elements can be brought together to enhance your pension scheme provision.

LIFE ASSURANCE AND CRITICAL ILLNESS
Important areas to consider are:-

  • Life cover for dependents
  • Insurance cover for partners
  • 'Key person' insurance for directors and employees
  • Providing funds to meet inheritance tax liabilities
  • Critical illness cover

INVESTMENTS
Our services include advice on :-

  • Insurance policies
  • Building Society accounts
  • ISAs
  • Income Bonds
  • Stocks and Shares
  • Short term deposits
  • National Savings
  • Unit Trusts

We recommend a sensible mix of investments to provide the right balance between income and capital growth to suit the individual client's circumstances.

IHT Planning
Demacks Chartered Accountants provides an expert Inherritance Tax (IHT) planning service*. Please contact if you would like to arrange a meeting to discuss your IHT position.