Financial Advice
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We are authorised and regulated by the Financial Conduct Authority.

What is an ISA?

A stocks and shares ISA is a tax-efficient investment account that lets you invest (not save) money into a range of different funds, gilts, corporate bonds and shares.

This means you don’t pay Capital Gains Tax (CGT) on any profits that the investments within the ISA may make.

A Cash ISA, offered by most high street banks, works in much the same way as a regular bank account the only difference being that your savings (not investments) don’t pay tax on the earned interest.
Setting up an ISA

Setting up an ISA

  • It’s very easy to set up an ISA.
  • Any UK resident aged 18 and above can open a Stocks and Shares ISA (aged 16 to open a Cash ISA).
  • When you die, the ISAs can be passed on to your surviving spouse or civil partner.
  • The growth that may accrue in a Stocks and Shares ISA does not impinge on your personal allowance.
  • If you have a Lifetime ISA, it is possible to also have a Stocks and Shares ISA so long as the total ISA allowance of £20,000 is not exceeded in the same tax year (e.g., £16,000 in a Stocks and Shares ISA and £4,000 in a Lifetime ISA).
Things to think about...

Things to think about...

  • The average interest rate for Cash ISAs is quite low so if the rate offered is less than the rate of inflation, the true value of the Cash ISA over time will fall.
  • Over the longer term, a Stocks and Shares ISA has the potential to deliver a higher return than a Cash ISA but as with all investments, there is a greater level of risk and therefore you might get back less than the original amount invested.
  • Withdrawals may be made at any time from an ISA and if you decide to put the money back in the ISA in the same year, your annual ISA allowance is not affected; bear in mind that not all providers offer this flexibility.

How we work

We keep it straightforward and simple.

1  

Arrange a Lifestyle Planning Meeting

A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.

     
2  

Arrange a Financial Planning Meeting

Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.

     
3  

Arrange an Implementation Meeting of your Financial Plan

If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.

     
4  

Arrange an Annual Forward Planning Meeting

Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Let’s start a conversation

We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!