Investment planning

Over 90% of all returns are driven by the type of assets investors select, rather than the performance of specific funds.

Cullens use sophisticated risk profiling technology to help you and us understand your personal attitude to risk.  We then select the most appropriate asset allocation model that is best suited to you and your situation. Every year, this is reviewed and amended if required.

Pension and retirement planning

Recent statistics indicate that half of the current UK population may live to see their 100th birthday.State pension provision has fallen and will continue to diminish. The onus is on you to plan over the long term to achieve a pension fund that will sustain a successful retirement. We use all the processes and technologies set out within our investment planning process. However, as the time horizons are longer and the tax benefits larger, pension strategies are often significantly different.

Financial Protection

The need to protect yourself and your family in the event of serious illness, long term incapacity or even death will be ever present through your life. At various stages of our lives, this will include:

• Protection of your mortgages
• Securing income protection for your family
• Medical protection
• Long term care planning for you or your parents
• Inheritance tax protection

Cullens are experts in helping you identify these needs and will recommend the most appropriate solutions on the market.