Services :: Oregan Financial Services Ltd

By: Oregan Financial Services  05/12/2011
Keywords: financial services, investment funds, Tax Exempt

  • Pensions should be simple. You save money in a tax exempt fund over many years, benefiting from tax relief on contributions and tax free growth. We can help you plan your retirement funding by reviewing your current pension in terms of its performance, costs, suitability of investment funds and associated risks and advise you on the best way forward.

  • As Benjamin Franklin once famously said 'In this world nothing can be said to be certain, except death and taxes'. It's an unpleasant thought and many people prefer to plan their finances on the basis they're immortal, but that's not how life works. We will help you plan for the unexpected. We will ensure you are adequately insured not only today but into the future.

  • Saving for the future is an essential part of financial planning. Whether it's saving for your children's education, retirement, a holiday or even just for a 'rainy day', saving is vitally important. The mythical investment with total security and strong returns doesn't exist so it's always a trade off between risk and return. We can help advise you on the most suitable options.

  • You've worked hard for the lifestyle you enjoy today, but what if the things you take for granted suddenly disappeared? Ask people what is their biggest asset and the most will say their home but they're wrong. It is actually your income. We can advise you on the best ways to protect your income.

  • Your business is vital to your financial well being. From it you derive your income and your shareholding has a value which has been built up over many years hard work. Therefore you need to ensure your business is prepared for the unexpected. The death or serious illness of a shareholder can have major repercussions for the future of any business.

  • Keywords: financial services, investment funds, Retirement Funding, Tax Exempt

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    05/12/2011

    Retirement Planning :: Oregan Financial Services Ltd

    At normal retirement age having saved a large pot of money, you take a portion of the fund as a tax free lump sum and the balance provides you with an income to live the rest of your days in relative comfort. We will review your current pension in terms of it's performance, costs, the suitability of investment funds and associated risk to your circumstances and advise you on what you should be doing.


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    If we truly care about our loved ones, any sensible financial plan has to ensure they are adequately provided for under all possible outcomes, whether you go on to live a healthy and prosperous life and can work into your 60's or 70's, whether you become ill and can no longer work at a much earlier age, or even if you unexpectedly die along the way.


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    Investments :: Oregan Financial Services Ltd

    The alternative is living on the edge, beyond your means, using credit whenever you can get it and ultimately putting yourself and your loved ones under too much pressure. Whether it's saving for your children's education, your retirement, a holiday or even just for a 'rainy day', saving is a vitally important habit. The mythical investment with total security and strong returns doesn't exist so it's always a trade off between risk and return.


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    Income Protection :: Oregan Financial Services Ltd

    You could also or alternatively insure yourself for a lump sum which would be paid out tax free in the event of you suffering a specified illness such as cancer. If you unexpectedly became seriously ill in the morning and could no longer earn how would it impact financially on you and your loved ones. People understand the logic of insuring their car yet they question the logic of insuring their income.


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    Business Protection :: Oregan Financial Services Ltd

    The solution is to put in place Share Purchase Insurance to ensure a plan exists and more importantly that the necessary funds will be available. Unlike Share Purchase Insurance which is designed to protect the shareholders, Keyman Insurance is designed to protect the business. This often leads to problems as the next of kin may not have the ability or want to become involved in the business.