Services:For Private Clients
> Investment and savings
> Tax planning
> Estate planning
> Pensions
> Family protection
> Providing for long-term health care

Services:For Corporate Clients
> Share/Partnership protection
> Executive pension planning
> Employee benefit schemes
> Retirement and redundancy counselling
> To Solicitors and Accountants
> What do we charge? Etc

> Investment and savings

Buckland Harvester has many years’ experience in the field of capital investment and regular savings plans. We help our clients develop diversified and professionally managed portfolios of investments that are matched to clients’ needs and attitude to investment risk. We advise on cash deposits, managed currency funds, fixed interest funds (including government stock and corporate bonds), insurance funds, ISAs, unit trusts, OEICs, investment trusts, offshore investments...
... and many more.
The range of investments and number of institutions offering them is bewildering! Buckland Harvester offers truly impartial advice based on close institutional contact and the use of sophisticated research tools.

> Tax planning

Are you paying too much tax? The chances are that you will be doing! The annual survey carried out by Mintel, the independent research agency, suggests that as many as 9 out of 10 Britons – 41 million people – are paying too much tax. A staggering £5.7 million is overpaid each year – an average of £140 per person.
If you’re quite certain that you’re not one of them, then read no further. Otherwise, contact Buckland Harvester – now! Learn how to use all available tax reliefs, allowances and concessions so that more of your money stays in your pocket and not in the Chancellor’s!

> Estate planning

With recent substantial increases in property prices, many more people now find that their estates could be liable to Inheritance Tax (IHT) – or “death duties”. If you’re happy for 40% of your estate in excess of the nil-rate-band to go to the Inland Revenue after your death, then that’s ok!
If you would rather that your estate passed to your family or other chosen beneficiaries, then contact Buckland Harvester. There are many ways of mitigating Inheritance Tax and you need the level of expert advice that Buckland Harvester can offer – contact us now!

> Pensions

...a minefield of complexity? Yes, they can be! Complex legislation, falls in stock market values, the closure of many final salary pension schemes, people living longer, poor annuity rates...
... no wonder many are having to contemplate working longer to support themselves in older age.
If there was ever a time that people need expert advice, it is now! And don’t leave it too late! The cost of delay can be enormous. Contact Buckland Harvester’s expert pensions planning team to assess your own situation.

> Family protection

Yes, it CAN happen to you!
What if you die prematurely? What if you have a serious or life-threatening illness? What if you’re unable to work because of sickness or injury? Who will pay the bills then because it certainly won’t be you!
If you really care about your family and loved ones, don’t leave things to chance. Take control of the situation and, with Buckland Harvester’s help, you can protect yourself and your loved ones against the things we hope won’t happen...but sometimes do.

> Providing for long-term health care

A sizeable estate can almost vanish if the costs of residential health care have to be met for a sustained period. With fees often in excess of £20,000 per annum, how long would your savings or the savings of an elderly member of your family last?

Buckland Harvester specialises in advice on long term health care funding plans both for those about to enter or already in residential care and for those who are concerned about making provision for possible care needs in later life.

> Share/Partnership protection

The effect on a smaller business of a major shareholder or partner dying or becoming seriously incapacitated can be devastating, especially if the remaining shareholders or partners are unable to raise the funds to re-purchase the shares.
This is a complex area of business planning that requires expert financial and legal advice – talk to us about it.

> Executive pension planning

Buckland Harvester offers expert advice on all aspects of directors’ pensions including small self-administered schemes (SSAS) and self-invested personal pensions (SIPP).

> Employee benefit schemes

These include group personal pensions, stakeholder pensions, occupational money purchase schemes, group permanent health insurance and group life assurance schemes.

> Retirement and redundancy counselling

Buckland Harvester has many years’ experience in dealing with the staff of major corporate clients and public bodies. By offering seminar presentations to your staff, we will be able to steer them through the complex maze of personal financial planning at a crucial stage in their lives.

> To Solicitors and Accountants

We are Permitted Third Party advisers to the legal and accountancy professions.

> What do we charge? Etc

We either:
Receive commission payments from the investment institutions with whom we place business.
Or...
Charge fees on a time-worked on percentage of funds under management basis.