Investments and savings

Knowing what to do with your life savings has never been harder, with the recent turmoil in financial markets and falling interest rates. Clients relying on interest from banks and building societies have been hit hard in recent times.

At Gow's we are sympathetic to the needs of our older clients and work closely with them to ensure their investments portfolio’s areas  tax efficient as possible and match requirements such as capital guarantees  or maximising income.

Gow's Eight Golden Rules of investing

Whether you are investing for Growth, Income or capital preservation, Gow's carefully considered investment portfolio construction process will ensure you get the possible returns

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Inheritance Tax (IHT) is a major concern for many of our clients; even though UK property has fallen recently, more and more estates are falling within the IHT threshold. Without proper tax planning, people can end up leaving a substantial tax liability on their death, considerably reducing the value of the estate they pass on to chosen beneficiaries.

calculate your potential IHT tax liability

Minimising your tax liability and maximising what you're able to pass on calls for considerable skill and foresight - and a detailed knowledge of the IHT rules and regulations Gow's, works closely with our clients and their professional advisers to ensure our clients maximise the estate they pass to their beneficiaries.

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Equity Release

The issues surrounding pensions in the UK affects us all, but it is already a very real and daily challenge for millions of retired Britons.

However, many retired people who manage on a small pension and limited savings are also living in properties which, even with the recent house prices falls, equity release can still be an attractive option.

Equity release plans – also called lifetime mortgages, home reversion or home income plans – are a way of releasing cash, whether to buy that new car, to pay for a holiday or home improvements, or simply to make daily life more comfortable. These schemes essentially allow you to borrow money against the value of your home, with the debt being repaid from the sale proceeds after your death.

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Long Term Care Funding

One of Gow's area of specialisation is the provision of advice to elderly clients their relatives or attorneys on the sensitive and high specialised area of Private Care Fee Funding.

Gow's is a member of Symponia a national organisation comprising of nearly 100 specialist care fee planning advisers. Symponia operates to a very strict code of practice and ethical standards to ensure our clients are given the best possible advice.

Find out more details about Symponia and care fee planning

Not everyone has a family solicitor, and trying to find a friendly, but knowledgeable face amidst the legal system can be a daunting task. We have developed close working relationship with solicitors, who specialise in giving advice in this area; find your local specialist solicitor.

Solicitors for the elderly
The society of Trust and Estate Practitioners