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When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large windfall, you need to provide yourself with a secure income for the rest of your life.
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A well prepared pension plan which is regularly reviewed should go some way to providing this.When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
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Investing is what you do with the savings you have - if you are looking to generate a greater return on your money than is available to you through your savings instruments.Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation & investment risks.
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Whatever your level of wealth, there is nothing wrong in deciding to prepare a risk aversion strategy. This is reasonable and prudent for anyone who is sure that they already have ample to provide for themselves and their family into the future.The whole process of dealing with an elderly relative who needs care can be difficult, emotive and stressful. At Prosper we specialise in giving advice on Long Term Care solutions by working closely with the family members concerned.
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We can put together a comprehensive package of measures to assist in every aspect, from dealing with existing investments and property arrangements to setting up Immediate Care Plans. We will guide you through... - How We Work
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Introduction to Wealth Management
What Is Wealth Management?
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep at night, but the unidentified risks are a far greater threat to your wealth than tax. While tax may threaten a proportion of your wealth, poorly-identified risks can destroy it all.
Risk aversion starts with asking oneself a few questions such as:
- Is my job secure?
- What happens if my employer goes bust?
- How secure are my investments?
- What happens if a company I have invested in collapses or is unable to meet its obligations?
- Is my occupational pension safe?
- What happens if an elderly relative has to go into residential care?
- What happens if I divorce?
- Do I have enough insurance?
This is just a start and you will no doubt identify others. It may not be the most motivational task but if you work through the implications of your questions and attach a probability to them, it can help clarify the issues and will form the basis of your risk aversion plan.
Our service is all about helping you with professional wealth management advice to create, build and protect your wealth and minimise your tax liability in a wealth preservation plan which we will develop and monitor over a long-term, on-going relationship.
TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.
TAX PLANNING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.
Related Topics
Our Areas of Expertise




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PensionsWhen you retire you still need food and shelter as an absolute minimum, but of c..Read More...
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InvestmentsWhen someone talks about savings and saving money, it could be referring to a pi..Read More...
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Wealth PreservationWealth, just like your health, must be carefully preserved. Your assets need to ..Read More...
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Long Term CareThe whole process of dealing with an elderly relative who needs care can be diff..Read More...
Client Testimonials
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Ms Jane Taylor, Wigan
I have worked since first leaving school and have always paid into available pension schemes. Having had several jobs, I had a real mix of policies and funds and had given no thought to how these should be managed. One policy in particular was worth quite a bit of money, but the returns on it were very poor. An “independent financial advisor” contacted me about this policy for a meeting. Although I did speak to him, I wasn’t entirely convinced that he had my interests at heart. I knew that Rich already managed private pensions and other investments for several of my friends so I sought a second opinion from him.
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Mr and Mrs Barnes, Wigan
We have invested through Prosper for a number of years now and highly recommend their services and very much value our advisers professionalism and integrity . The personal service delivered by Richard Noone gives us a great deal of confidence and we appreciate and more importantly value his knowledge and skill. Our investments are reviewed regularly to ensure that we maintain a balanced portfolio and his advice is always clearly and thoughtfully explained .
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Frances Margaret Lawlor B.A Partner Houghton Pigot & Co Solicitors Wigan
“When my clients ask me to recommend an Independent Financial Adviser I do not hesitate to send them to see David Barton at Prosper. He is friendly, down to earth and approachable and has never let me down.”
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Carol Mason Member (Full) Private Client Hill Dickinson LLP
"I have worked with David Barton of Prosper IFA Ltd for over 10 years and have been delighted with the advice and ongoing service that he has given to me as a trustee and to my clients. David’s higher level qualifications within the trust, taxation and investment advice sector enables me to refer clients with very sophisticated planning requirements in the knowledge that they will be looked after. Our clients are always handled professionally and more importantly in a very friendly and open manner which put’s them at ease."
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Richard Bate Partner Private Client Brabners Chaffe Street LLP
"I have always found David to be a reliable, conscientious adviser who always acts with integrity and puts clients at their ease. He has demonstrated over a number of years that he has particular expertise when dealing with the intricacies of inheritance tax planning and trustees' duties and investment needs. He builds up strong long term relationships by offering sensible down-to earth investment advice and backs that up with impeccable administration and a proactive review service."
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Mr T and E D Cockram, Disley, Cheshire
"We have been clients of David Barton at Prosper for some considerable time. We have been more than pleased with the expert advice and guidance given, the total planning done for us, and consequently the financial gains far exceed our expectations, especially in today’s volatile market. We have found Prosper very efficient with good communication with all of our dealing, and yet maintaining a personal and friendly service."
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Mr and Mrs Rogers, Rochdale
“In 2003 we transferred our financial interest to Prosper Independent Financial Advisers Ltd. David Barton visits us regularly to update us on our investments. To date we have been very satisfied with his recommendations which have enabled both me and my wife to enjoy the financial comforts in retirement. We have recommended relations and friends to his company. In conclusion we find the company friendly, helpful and understanding of our needs. They offer and explain sound financial advice and are very professional with all the dealings. We would not hesitate to recommend them to perspective clients.”
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Paul Bannister BSc (Hons) FCA Owner - Haywards Chartered Accountants Wigan
"Whenever my clients ask me for any financial advice on pensions or investments I always point them in the direction of David. As Prosper is an independent organisation, I can rest assured that David gives my clients the best possible advice to suit their needs and requirements. David’s team are extremely professional, reliable and trustworthy. Feedback from my clients tells me that Prosper manage them with the utmost courtesy. I never recommend people lightly; my reputation and the perception of my brand are important. I have no qualms whatsoever working alongside David and his team."
Contact Us
Prosper Independent Financial Advisers Ltd
Prosper House 99a High Street
Standish, Wigan
Lancashire
WN6 0HD
T: 01257 423 800
Email : Email Us
Prosper Independent Financial Advisers Limited is authorised and regulated by the Financial Conduct Authority.
We are entered on the FCA Register No 429940 at www.fsa.gov.uk/register/firmSearchForm.do
The Financial Conduct Authority does not regulate National Savings products Taxation and trust advice, will writing and some aspects of off shore investments.
The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website www.financial-ombudsman.org.uk
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.