MARTEC ASSOCIATES LIMITED

Nearly everyone who pays tax can normally find ways of saving it, either by taking advantage of the various incentives available from the government or by claiming relief. We will go through your finances with you and outline any potential savings. With all the gloom that's surrounded pension schemes for the last 10 years, it's easy to be totally confused and disheartened by events. Falling stock market values, lower annuity rates and constantly changing government legislation have all added to the confusion.

In its simplest form retirement planning is all about accumulating a sum of money on which you can draw enough income to live off when you stop working. Whether you have a final salary pension scheme, an AVC or an ISA, we'll explain the differences between them and more importantly, identify if you're building the capital you’ll need.

Whether investing for growth or income, you need to have a clear investment strategy. The different asset classes available range from low risk cash, where the return is based on the prevailing interest rates, to high risk individual equities which may provide a dividend and the opportunity for growth.

The starting point for developing any strategy is your investment stance. This will lead to an understanding of risks associated with the different assets, then choosing the right funds. Finally, and most importantly, maintaining a close eye on performance!

Martec has provided tax and financial advice for nearly 20 years and has now increased its activities to assist families obtain probate and administer estates in a personal and sensitive manner.

Probate involves dealing with the financial and legal processes of preparing a detailed account of the assets of someone who has died. In nine cases out of ten, the executors (people defined in the Will) will be family who are going through varying degrees of emotional turmoil.