Whitehall Financial Independent Limited provide tax efficient solutions to three categories of clients with differing needs.

1. Business Owners

- Use of profits from the business
- Property purchase
- Planning for the sale of business and/or retirement
- Arranging borrowing
- Planning for the unexpected, namely death or illness
- Employee pension and benefit packages

2. Employed higher rate tax payers

- Reduce income tax payable on bonuses or on exercise of share options
- Mitigating capital gains tax
- Funding for retirement
- Mortgages
- Investment for capital growth

3. Retired or approaching retirement

- Investing for income in a tax efficient manner
- Protecting estates against inheritance tax and/or cost of long term care
- Ensuring existing investments match needs and possibly a changing attitude to risk
- Pre retirement audits of pension arrangements to maximise tax free cash and benefits available under differing arrangements and Inland Revenue rules

Once we understand what our clients wish to achieve, the solution will include advising and arranging;

Pensions

Including Free Standing Additional Voluntary Contributions, Stakeholder, Self Invested and Self Administered Schemes.

Investments

Including Offshore Bonds, With Profit Bonds, ISA's, Unit Trusts, Investment Trusts and Open Ended Investment Companies (OEICS).

Mortgages and Loans

Including commercial property and pension fund lending.

Tax Shelter Investments

Including Venture Capital Trusts, Enterprise Zone Property Trusts and Film Partnerships.

Protection

Including life, health, medical and critical illness cover.

The Financial Services Authority does not regulate taxation and trust advice and certain types of buy to let and commercial mortgages.

Whitehall Financial Independent as part of the Whitehall Group is able to deliver a total wealth management service to clients which utilises the formal alliances the group has with our legal and tax advisers. Services offered include:

Legal

PRIVATE CLIENTS

- Wills, Trusts, IHT Planning
- Enduring Powers of Attorney
- Probate
- Long term care issues
- Conveyancing - residential and commercial
- Pension Fund investment e.g. property etc.

CORPORATE CLIENTS

- Company formation
- Partnership Agreements
- Employment Law
- Acquisition,Mergers and Disposals
- Employee remuneration packages

Tax

PRIVATE CLIENTS

- Total tax management
- Tax advice on new products
- Self assessment returns
- Processing tax reclaims

CORPORATE

- Aquisitions, Disposals and Mergers
- Employee share and incentive schemes
- Restructures

In addition the Whitehall Group offer business consulting in such areas as:

- Business Healthcheck
- Exit Strategies
- Acquisitions
- Disposals
- Mergers
- Restructures

Contact		Specialisation		Email
Mr C Gillespie		Tax Planning for businesses		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Key Person Protection
		Offshore Investments
		Health / Long term care
		Estate Planning
		Lump Sum Investments
		Portfolio Management
		Tax planning for Individuals
		Pension choices at Retirement
		Pension Transfers
Mr C Roberts		Group Stakeholder		Whitehall Financial Independent Ltd		email me
		Group Pensions
		Group Protection
		Key Person Protection
		Shareholder Protection
		Individual Protection
		Unit Trusts / Investment Trusts
		Educational Fees Planning
		Pensions (incl Stakeholder)
		Residential Mortgages
		Offshore Investments
		Lump Sum Investments
		Pension choices at Retirement
Mr J Christopher		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Employee Benefits
		Shareholder Protection
		Tax Planning for businesses
		Group Protection
		Commercial Mortgages
		Key Person Protection
		Group Pensions
		Pension Transfers
		Tax planning for Individuals
		Pensions (incl Stakeholder)
		Individual Protection
		Pension choices at Retirement
		Unit Trusts / Investment Trusts
		Estate Planning
		Lump Sum Investments
Mr M Rendall		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Commercial Mortgages
		Key Person Protection
		Group Pensions
		Group Protection
		Employee Benefits
		Tax Planning for businesses
		Offshore Investments
		Individual Protection
		Estate Planning
		Unit Trusts / Investment Trusts
		Lump Sum Investments
		Tax planning for Individuals
		Pension choices at Retirement
		Pensions (excl Stakeholder)
Mr R Shepherd		Employee Benefits		Whitehall Financial Independent Ltd		email me
		Group Protection
		Key Person Protection
		Tax Planning for businesses
		Shareholder Protection
		Group Stakeholder
		Group Pensions
		Pension Transfers
		Tax planning for Individuals
		Investments for Trusts
		Estate Planning
		Pension choices at Retirement
		Individual Protection
		Portfolio Management
		Unit Trusts / Investment Trusts
Mr K Davidson		Shareholder Protection		Whitehall Financial Independent Limited		email me
		Group Protection
		Key Person Protection
		Group Pensions
		Group Stakeholder
		Employee Benefits
		Pensions (incl Stakeholder)
		Individual Protection
		Health / Long term care
		Lump Sum Investments
		Residential Mortgages
Mr P Archer		Group Protection		Whitehall Financial Independent Limited		email me
		Employee Benefits
		Tax Planning for businesses
		Group Stakeholder
		Shareholder Protection
		Key Person Protection
		Group Pensions
		Individual Protection
		Estate Planning
		Lump Sum Investments
		Tax planning for Individuals
		Pension choices at Retirement
		Pension Transfers
		Investments for Trusts
		Pensions (excl Stakeholder)
Mr S Meadows		Group Protection		Whitehall Financial Independent Ltd		email me
		Key Person Protection
		Shareholder Protection
		Group Pensions
		Tax planning for Individuals
		Estate Planning
		Pension choices at Retirement
		Portfolio Management
		Lump Sum Investments
		Unit Trusts / Investment Trusts
Mr M Tennant		Key Person Protection		Whitehall Financial Independent Ltd		email me
		Shareholder Protection
		Tax Planning for businesses
		Tax planning for Individuals
		Offshore Investments
		Health / Long term care
		Estate Planning
		Pension choices at Retirement
		Portfolio Management
		Lump Sum Investments
		Educational Fees Planning
Mr T Couldwell		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Commercial Mortgages
		Key Person Protection
		Group Pensions
		Group Protection
		Employee Benefits
		Tax Planning for businesses
		Estate Planning
		Offshore Investments
		Lump Sum Investments
		Tax planning for Individuals
		Residential Mortgages
		Pension choices at Retirement
		Investments for Trusts
		Pensions (excl Stakeholder)
Mrs L Donaldson		Tax Planning for businesses		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Key Person Protection
		Pension choices at Retirement
		Investments for Trusts
		Estate Planning
		Lump Sum Investments
		Individual Protection
		Tax planning for Individuals
		Pensions (incl Stakeholder)
Mr M Lomax		Group Pensions		Whitehall Financial Independent Limited		email me
		Group Protection
		Employee Benefits
		Tax Planning for businesses
		Group Stakeholder
		Shareholder Protection
		Commercial Mortgages
		Key Person Protection
		Pensions (incl Stakeholder)
		Unit Trusts / Investment Trusts
		Estate Planning
		Offshore Investments
		Lump Sum Investments
		Individual Protection
		Tax planning for Individuals
		Residential Mortgages
		Restricted Sight
		Severe Hearing Difficulties
Mr R Mitchell		Tax Planning for businesses		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Key Person Protection
		Pension Transfers
		Estate Planning
		Portfolio Management
		Lump Sum Investments
		Tax planning for Individuals
		Offshore Investments
		Pension choices at Retirement
		Regular Savings
Mrs C Winchurch		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Group Pensions
		Commercial Mortgages
		Group Protection
		Pension Transfers
		Unit Trusts / Investment Trusts
		Lump Sum Investments
		Pensions (excl Stakeholder)
		Individual Protection
		Pensions (incl Stakeholder)
		Pension choices at Retirement
		Residential Mortgages
Mr M Oliver		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Shareholder Protection
		Commercial Mortgages
		Key Person Protection
		Group Pensions
		Group Protection
		Employee Benefits
		Tax Planning for businesses
		Individual Protection
		Estate Planning
		Lump Sum Investments
		Tax planning for Individuals
		Pension choices at Retirement
		Pension Transfers
		Investments for Trusts
		Portfolio Management
		Severe Hearing Difficulties
		Restricted Sight
Mr L Thompson		Group Protection		Whitehall Financial Independent Limited		email me
		Employee Benefits
		Shareholder Protection
		Key Person Protection
		Group Stakeholder
		Tax Planning for businesses
		Group Pensions
		Pension Transfers
		Portfolio Management
		Lump Sum Investments
		Tax planning for Individuals
		Offshore Investments
		Individual Protection
		Pensions (incl Stakeholder)
		Regular Savings
Miss J Storey		Shareholder Protection		Whitehall Financial Independent Limited		email me
		Key Person Protection
		Tax Planning for businesses
		Portfolio Management
		Pensions (excl Stakeholder)
		Tax planning for Individuals
		Estate Planning
		Offshore Investments
		Pension choices at Retirement
		Unit Trusts / Investment Trusts
		Lump Sum Investments
Mr K Holleron		Key Person Protection		Whitehall Financial Independent Limited		email me
		Group Stakeholder
		Tax Planning for businesses
		Group Pensions
		Commercial Mortgages
		Group Protection
		Shareholder Protection
		Employee Benefits
		Tax planning for Individuals
		Individual Protection
		Pension choices at Retirement
		Pensions (incl Stakeholder)
		Regular Savings
		Residential Mortgages
		Unit Trusts / Investment Trusts
		Lump Sum Investments
Mr M Jones		Group Stakeholder		Whitehall Financial Independent Limited		email me
		Group Pensions
		Tax Planning for businesses
		Individual Protection
		Estate Planning
		Investments for Trusts
		Offshore Investments
		Pensions (incl Stakeholder)
		Regular Savings
		Lump Sum Investments
		Ethical Investments
Your home may be repossessed if you do not keep up repayments on your mortgage.