Page 125 - LCNL Diwali Magazine

HAPPY DIWALI RAGHUVANSHI 2023 - 2024

Neil Morjaria is an experienced financial adviser and estate planner
who advises individual and corporate clients on pensions, investments,
protection and inheritance tax planning.
Whether you wish to plan for retirement, save yourself tax or your
company corporation tax, invest for growth or income, building wealth,
save up for a property, protect your loved ones, your business or your
employees, or you are concerned about funding for care fees, Neil can
offer a range of solutions to help you achieve your goals and aspirations
and tailor them around your circumstances.
M & M Financial Services Ltd offers independent financial advice and has been in operation in
Harrow in North West London for over 20 years and now also offers general insurance brokerage
services, commercial finance and bridging loan facilities.
We provide financial planning services to private clients, business owners, trustees and
charities. As our client, you will receive a regular review to ensure your financial objectives
are being met and that your strategy is working. We can assess your circumstances, review
your pensions, investments and protection arrangements, interest rates and debt structuring,
discuss opportunities and threats created by changes in legislation and the economic and
political climate, assist you in sorting through any confusing paperwork and ensure your estate
planning wishes are in place, valid and up-to-date.

Questions to ask yourself: M & M offer the following services to
1 Will I have enough income to retire on or can personal and corporate clients:
I survive on the State Pension from the Govt? ✔ Financial planning and Wealth
2 Am I making use of available tax relief and all Management
my annual limits and allowances? ✔ Pensions, Investments, Savings and Cash
3 Do I want my family to pay 40% inheritance Management
tax on my wealth to the Govt at my death? ✔ Inheritance Tax, Corporation Tax, Income
4 How will my dependants cope if I died, fell ill Tax and Capital Gains Tax Planning
or if my income stopped? ✔ Life Insurance, Critical Illness Cover, Income
5 Who will manage my affairs and make key Protection, Inter-Generational Planning
decisions for me if I lost mental capacity?
Does my Will reflect my current wishes? ✔ Wills, Trusts, Powers of Attorney, Grant of
6 What would I do if my business partner or key Probate, Estate Administration
employee left, fell ill or died suddenly? ✔ Keyman, Directors and Shareholder
7 How will I or my family pay for care fees if I Protection, Group Life, Workplace Pensions
need to go in to a care or nursing home? ✔ Care Fees and Social Care Funding,
8 Can I rely on the NHS if I or my family need Mortgages and Equity Release
urgent medical treatment? ✔ Private Medical and General Insurance

M 07517 144 700 • T 020 8907 0956

E neilmorjaria@mandm-fa.co.uk • W www.mandmgroup.co.uk

Maple House, 382 Kenton Road, Harrow, Middlesex, HA3 8DP

M & M Financial Services Ltd is authorised and regulated by the Financial Conduct Authority under FRN 431048

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