MJB (Partnership) Ltd

We know this is true. We’ve seen some very dodgy houses, built on dubious advice. Get advice; it’s crucial in the rapidly changing world of financial services, but in our experience, it’s best to spend time finding the right person to advise you and then build a relationship with them. Trust them. At MJB we’re qualified and experienced. We know about money, but we’re friendly too, with a reputation for integrity, reliability and outstanding customer service. Being independent means we are not tied to one particular company. Our only loyalty is to you – and you’re unique. Your financial advice should reflect that.

There are plenty of companies who will offer you services they think you’ll want and promise you the earth, but we’re not that arrogant. Until we’ve met you and discussed your needs, we can’t guarantee you some ‘bespoke’ service that satisfies them. We need you to talk to us. It's free for the first meeting, you're under no obligation, and we'll see how best we can help you. It’s not rocket science. You need informed, intelligent, accurate advice and guidance regarding your financial plans. That’s what we do. Simply. Creatively. Professionally. You. And others like you. Not a range of products you don’t need. Click, phone, write, drop in. Decide for yourself.

Choosing the right investment is never easy. This is a complicated area where you’ll need professional advice and guidance more than ever. You’ll need to consider:

Tax efficiency is often a primary concern and you’re probably aware of the tax breaks that have been granted to certain investments. In particular Individual Savings Accounts (ISA’s) can provide tax free income and tax efficient growth, but the amount that you can invest is restricted.

ISA’s can invest in different assets which suit your risk profile from cash to shares. You can put £3,000 into a mini cash ISA but up to £7,000 into a maxi Equity ISA. There are so many different ISA funds available it can give you a headache. Let us relieve the tension and help select the one most appropriate for you.

National Savings are another option. They provide some low risk savings bonds that can meet some people’s needs, but if you want a higher return you might consider: Distribution Bonds, Commercial Property Bonds, Managed Bonds or Equity Bonds.

If you’re a homeowner, the recent significant rise in the value of your house seems like a blessing but it could present a big problem for you in the future in the shape of a large Inheritance Tax (IHT) bill. The nil rate band is set at £285,000 and tax is charged at 40% on everything above that, so it is not only the ‘rich’ whose estates can be considerably diminished by IHT.

Couple this with the new Pre-owned Assets Tax, and the recent alteration of Trust taxation, which threaten many people’s plans to avoid IHT and it’s easy to see why other IHT planning methods are becoming increasingly popular. Many of our clients are taking advantage of careful Nil rate band planning and the Discounted Gift Trust which is very effective. This Trust is structured to allow you to continue to enjoy an income from capital, still under your control but outside your estate.

Pensions have dominated the news recently and it’s generally recognised that large numbers of people are going to be over reliant upon the State in retirement, and it will not be able to support them.

If you’re not in a good company ‘final salary scheme’ it‘s vitally important that you regularly review the provision that you are making towards your retirement. There are many options open to you and good tax breaks to take advantage of. Pension simplification came into effect in April 2006 and opened the door on some great opportunities in planning for your future.

We are experienced in running the following pension schemes for numerous clients:

So talk to us. It’s your future, but we can see it clearer.

At MJB we can combine our expertise with the latest technology for Portfolio Planning, Fund Selection and Asset Allocation to deliver your unique portfolio package.

Talk to us. Tell us your financial dreams; we could make them a reality.