Pension Planning

ES Walton’s financial planners will give you the highest quality, independent advice on your pension needs in a way that you can understand.

A pension is a way to save money for later in your life. It’s best to start your pension as early as you can and to save hard. Most pensions are flexible and let you choose the most suitable way to invest your money so it has the chance to grow; and every time you pay money in, the taxman pays in too.

Our financial planners can help you choose the type of pension and investments that are right for you. Being independent our advice is not restricted in any way. *

See note 1 below*
  • Defined Benefits Schemes e.g. Final Salary
  • Self Invested Personal Pensions (SIPPs)
  • Small Self Administered Schemes (SSASs)
  • Personal & Stakeholder Pensions
  • Qualifying Recognised Overseas Pension Schemes (QROPS)
  • Drawdown (Capped & Flexi Access)
  • Annuities (Flexible, Level & Increasing)
E S Walton can provide you with comprehensive Financial Plans & Cashflow forecasting. We also have a wide range of private medical insurance products available to us to meet all levels of budget.

Investment Planning

Most of ES Walton’s clients have one thing in common; they require a long term return from their pensions, savings and investments in excess of that available from cash.

Our clients invest for many reasons. They may need to save toward retirement, to fund educational expenses, to supplement income from their pension fund, or to preserve the value of an existing portfolio for the benefit of their children and grandchildren.

Our experienced financial planners understand what drives returns across a wide range investment types so they can choose the right investment for you. Being independent our advice is not restricted in any way. We can look at products from all providers across the whole of the market. *

See note 1 below*
  • Individual Savings Accounts (ISAs)
  • Junior Individual Savings Accounts
  • Open Ended Investment Companies (OEICs), Unit Trust’s & Investment Trusts
  • Bank & Building Society accounts
  • Portfolio administration
  • Portfolio Structure and Management
  • Enterprise Investment Schemes (EISs) & Venture Capital Trusts (VCTs)
Using some of the best technology available, we will find the optimal level of investment for you, taking into consideration the return you need, the level of risk you can afford to take and the level of risk you are comfortable with. This is called risk profiling. *

Note 1*: Investment means risk, so the value of investments and the income from them can go down as well as up, and you could therefore get back less than you invested.
A financial plan is a financial route map which starts with your cashflow forecast.

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