Services we offer

We are able to provide advice on the following areas of financial planning.

Investments	Retirement	Tax and Estate Planning	Life Assurance
Collective Investments Unit Trusts Oeic's Investment Bonds Individual Savings Accounts and PEP's National Savings Shares Offshore Investments* VCT's Enterprise Investment Schemes	Stakeholder Pensions Personal Pensions Self Invested Personal Pensions Small Self Administered Schemes Section 32 plans Executive Pension arrangements Annuity Purchase Income Drawdown Phased Retirement Post Retirement Planning Divorce and Retirement Planning	Inheritance Tax Planning* Discretionary Will Trusts * Trust Planning* Capital Gains Tax Advice Wills * Enduring Power of Attorney*	Life Assurance Critical Illness Income Protection Mortgage Protection Accident Sickness and Unemployment cover Family Income Benefit
Business Protection	Corporate Services	Commercial Mortgages	Residential Mortgages
Keyman Life Cover Partnership Assurance Shareholder Protection Group Income Protection Private Medical Insurance Group Death In Service	Group Pension arrangements Employee Benefits Sale of Business Assets * Exit Strategy Planning * Management Buyout * Tax Planning for Businesses	Commercial Mortgages * Commercial Re-mortgages * Capital Raising * Business Expansion *	Re-mortgages Residential Mortgages Further Advances Self Certified Mortgages Buy to Let* Lifetime Mortgage Home Reversion Plans*

* The Financial Services Authority do not currently regulate this type of business.

Is residential property a good investment?

Over the last ten years owners of residential property have benefitted from rental income above the returns available from deposit based investments.

Arley Garage

"We appointed Consilium Asset Management in 2008 and found their straight forward and honest approach to financial planning refreshing and reassuring.

They provide us with a first class service from a business and personal perspective. We have received advice on a range of financial issues including life assurance, pensions and investments.

Consilium have liaised with our company accountant on several aspects of tax planning.”