Comprehensive financial planning for personal clients The Crescent Partnership LLP was established to provide its clients with independent financial advice, and to provide a comprehensive financial planning service for both personal and business clients, from all walks of life. We aim to produce a comprehensive financial planning solution in the following areas: • Life Protection How would your dependents cope financially, in the event of a premature death? • Income Protection In the event of a long illness, how would you cope financially, with a reduced, or perhaps no income? • Critical illness cover Would sufficient funds be available to clear any debts that may be outstanding, or perhaps adapt your home? • Retirement planning Have you made sufficient provision for your eventual retirement to provide you with the lifestyle you would like to enjoy? • Retirement planning Have you made sufficient provision for your eventual retirement to provide you with the lifestyle you would like to enjoy? • Savings schemes Are any regular contribution savings plans maximising the potential benefits? • Investment planning Ensure that any capital available for investment is invested in an environment which may produce a worthwhile level of capital growth, income, or a combination of both, making use of tax efficiency, where available. • Inheritance tax planning Assess any potential liability your beneficiaries may have to inheritance tax and plan to reduce or mitigate the liability. • Long term care planning Assess any potential liability to residential or nursing home care costs in the event of long term care being required, and the effect this would have on your assets. Recommend suitable strategy to assist in meeting these potential costs.   • Mortgages Research and advise on the most appropriate mortgage to fulfil requirements for: Purchase, remortgage, additional mortgage. YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT The FSA does not regulate some forms of Life Assurance, Income Protection, Critical Illness Insurance or Inheritance Tax planning. We aim to achieve this by gaining an understanding of a client’s individual aims and objectives over the short, medium and long term; a course of action that is essential to produce an effective financial strategy. Registered in England & Wales. Partnership Number: OC300545 Authorised and regulated by the Financial Services Authority. Entered on the FSA register (www.fsa.gov.uk/register/) under reference 197473