Teachers Building Society has teamed up with Legal & General one of the country’s leading financial services companies to offer you a confidential financial planning service.* This means that we are able to offer you access to a wide range of life assurance, investment and pension plans.
Securing a better future
We know that you have worked hard for the assets that you have and we want to help you make them work hard for you! There are many investment options available and we have a wide range, which we will be able to tailor to meet your needs and attitude to risk. We will assess your current situation and, if appropriate, make a recommendation to help meet your goals whether this be a monthly income or somewhere to watch your money grow.
Protecting your family
No-one likes to think about the death or illness of a loved one or themselves, but unfortunately it can happen – and even though these things are unexpected they can be planned for. If you have cover in place it can help ensure that any financial struggle that may be associated with this loss can be eased. Our advisers can ascertain your situation and advise you on the best insurance for your needs.
Your retirement
For some of you this may seem like a long way off and there are lots more exciting things that you could save for. However, getting adequate pension provision is crucial in making sure you maintain a good standard of living throughout your life. We all know that the state pension is unlikely to do this so thinking about this now, no matter your age, is extremely important. Your adviser will be able to talk you through the contributions you should be making now and in the future depending on your aspirations.
Tax planning
Let’s face it, the majority of people are taxed on their income when they receive it, and then taxed on it again when they save it! However, it doesn’t always have to be this way. For example, did you know that just by altering the way you hold your capital and by taking advantage of certain allowances that you may be able to decrease your liability to income tax quite significantly? To make sure that you are not paying too much in tax, we suggest you talk your position through confidentially with one of our advisers. Please note that the value of any tax advantages is dependent on your own personal situation.
Protecting your wealth
Gone are the days when Inheritance Tax was just a concern for the very wealthy. Thanks to the increase in property values, many more people are likely to find that without careful planning a large chunk of their estate will find its way into the hands of the taxman. For example, did you know that:
We can give you advice on how to reduce Inheritance Tax (IHT) liability so that it’s your heirs who benefit from your estate not the taxman. In fact a number of members have already attended one of our seminars on ‘Creating and Conserving Wealth’ and found it both informative and helpful in making plans for the future.
Lines are open 8.00 am to 6.00 pm Monday to Friday. For your protection, calls are recorded.
Notes
Tax assumptions are based on our understanding of current tax law and HM Revenue & Customs practice, which may change.
*TBS Financial Services Limited is a wholly owned subsidiary of Teachers Building Society and is an Introducer Appointed Representative of the Society for mortgages. TBS Financial Services Limited is an appointed representative of the following companies, which are authorised and regulated by the Financial Services Authority for advising on and arranging the products shown: Legal & General (Portfolio Management Services) Limited (life assurance, pensions and investments) and Legal & General Partnership Services Limited (insurance).
The Legal & General Group, established in 1836, is one of the UK’s leading financial services companies. Over 6.5 million people rely on them for life assurance, pensions, investments and general insurance plans. The Legal & General Group is responsible for investing £280 billion worldwide (as at 31 December 2008) on behalf of investors, policyholders and shareholders.
Legal & General is one of the biggest providers of index-tracking investments in the UK, managing £175 billion as at 31 December 2008.
Legal & General Insurance Limited, One Coleman Street, London EC2R 5AA
Registered in England No 00423930
TBS Financial Services Limited, Allenview House, Hanham Road, Wimborne Dorset BH21 1AG
Company No. 04451897
