Financial Planning
A plan for your money that fits the life you actually want.
Pensions, savings, investments and the question of what you leave behind. We help individuals, families and business owners across Merseyside make sense of all of it, working from the same numbers as your accountant so the advice holds together.
- Individuals
- Families
- Business owners
- Employers
What we cover
Five areas, one joined-up plan
Most decisions about money affect more than one part of your life. A pension contribution changes your tax bill; a gift to the children changes your estate. We look at them together so one good decision does not quietly undo another.
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Retirement & Pension
Working out when you can afford to stop, what income you will have when you do, and how to build up your pension in the meantime.
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Estate & Inheritance
Planning how your wealth passes on, with an eye on inheritance tax and the will, trusts and gifts that sit alongside it.
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Business Protection
Keeping the business on its feet if an owner or someone it relies on dies or falls seriously ill.
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Protection & Insurance
Making sure the people who rely on your income would be looked after if that income stopped.
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Succession Planning
Getting ready to step back from a business you have built, whether that means a sale, a management buyout or passing it to family.
Who we advise
For you, and for your business
Personal and family
- Planning for retirement
- Pensions and pension income
- Saving and investing
- Inheritance tax and estate planning
- Protecting your family
Business owners and employers
- Tax-efficient pay for directors
- Workplace pension schemes
- Staff benefits
- Key person and shareholder protection
- Planning your exit
How we work
Advice that starts with your accounts, not a product
Because MCPW is an accountancy practice as well as a planning firm, your adviser can see the whole picture: what the business earns, how you take your income and what tax you are paying. That means recommendations that fit your real position rather than a questionnaire.
We start by listening, put our recommendations in writing in plain English, and review them with you as life moves on. If the right answer is to do nothing for now, we will say so.
Common questions
What people ask before they start
As early as you can, but it is rarely too late to improve things. Even in the last few years before you stop work, decisions about how and when you draw your pension can make a real difference to your income and your tax bill.
Talk to us about your plans
Whether retirement is close or still a long way off, a first conversation will show you where you stand. There is no charge and no obligation.