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Welcome to EJ Financial Limited

Impartial Investment, Pension and Tax Planning

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01892 234884

or 01635 777795

  • Stockmarket
  • Tax Planning
  • Retirement Planning
Stockmarket1 Tax Planning2 Retirement Planning3

What Do We Do?

Impartial Investment, Pension and Tax Planning

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  • Do you have one?
  • How is it performing?
  • What is it worth?
  • Are you clear about how much you need in retirement and whether you will have enough?
  • Are you paying too much in fees for low returns and no advice?
  • Can you easily find out all of the above?
Watch Video & Read more
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  • Do you have a Stocks & Shares ISA?
  • Cash ISA vs Stocks & Shares ISA
  • Do you know all of the new ISA rules?
  • Pensions vs ISAs
  • Do you know all of the ISA types available?
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Tax Planning

  • Do you want to legitimately reduce your tax bill?
  • Income Tax planning, why pay more than you need to?
  • Annual Capital Gains Tax (CGT) Planning, Bed & ISA each year.
  • Inheritance Tax (IHT) planning. This is the only voluntary tax and people pay it because either a) they don't trust their children or b) they don't plan to mitigate it. There are a number of ways to reduce your potential IHT charges of 40%.
  • Enterprise Investment Planning gives up to three HMRC approved benefits; 30% tax relief, deferred CGT payment and outside of your Estate for IHT calculations after only two years.
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Retirement Planning

  • We will ask you two questions;
    a) When do you want to retire?
    b) How much money do you need for a comfortable retirement?
  • We plan for an income focused investment portfolio via Pensions and ISAs
  • We ensure that your retirement income is tax efficient
  • We ensure that loved ones are taken care of
  • We recommend having a Will, POA and a Funeral Plan and can help you find a suitable partner for these absolutely necessary items
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  • Andria Geal has the Certs CII (MP&ER) mortgage advice accreditation
  • Andria will visit you in your home
  • Andria will also provide competitive Insurance quotes
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Equity Release

  • Equity Release plans have changed over the years and there are plans that can:
    a) help you to increase your income
    b) reduce your IHT bill
    c) help you to help your children or grandchildren financially
  • Andria Geal has the Certs CII (MP&ER) mortgage advice accreditation
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Cashflow Planning

  • We prepare a 'simple' cashflow plan to begin with
  • We give you clarity of whether you can meet you goals of retirement date and retirement income
  • We recommend retirement fund contributions to assist you in meeting your goals
  • We review your cashflow plan with you each year to ensure that you remain on target
  • Nearer retirement we prepare a full holistic cashflow plan including an indication of how long your money will last to provide your income
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Our Fees Back to top
  • Stockmarket
  • Tax Planning
  • Retirement Planning

Berkshire Office:
EJ Financial Limited • 26 Inglewood House • Templeton Road • Kintbury • Berkshire • RG17 9AA

Sussex Office:
EJ Financial Limited • 2nd Floor • Johnsons Building • The Broadway • Crowborough • East Sussex • TN6 1DE

EJ Financial Ltd. Registered in England and Wales No 9370740
EJ Financial Ltd is authorised and regulated by the Financial Conduct Authority No 670594

01892 234884020 3657 907901635 777795

The Financial Conduct Authority does not regulate taxation and trust advice.

The value of your investment can go down as well as up and you may get back less than you have invested.

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

NOTE: None of the above constitutes advice, always consult a professional adviser before making any investment decisions.

Please talk to Ted on 01892 234884 or 01635 777795 for further information.

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Independent Financial Advisor
Financial Review & Planning • Pension Contribution Planning • ISA Contribution • Pension Freedom Advice • Protection
Investment Portfolio Management • Tax Planning • Retirement Planning • Trust Investment • Portfolio Reviews

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