Go to... I AM THINKING ABOUT UNLOCKING AN ASSET I am thinking about unlocking an asset The assets and wealth that you have created are ultimately there to help you, and possibly future generations, achieve your goals and meet your lifestyle needs. It is only natural that this means that at certain times in your life you will consider unlocking some or all of the assets that you have built up, after all, it is your money. Unlocking an asset can take many forms as your wealth may be held in property, pensions, or investments. The order in which you unlock these investments can have a material impact on your long-term security as different assets grow at different rates, and are taxed differently. The answer as to which assets to unlock, or whether it is appropriate to unlock an asset at all, will depend on your own personal circumstances, timescales and objectives. For example, if you were particularly concerned about leaving assets to the next generation then it may be more appropriate to access assets other than a personal pension prior to the age of 75, as these benefits could be passed tax-free to your nominated heirs. It could also be appropriate for you to access an ISA account in favour of directly held shares or funds that could result in capital gains tax falling due. It may well be that because of your personal tax position the best solution is to access a combination of assets, or none at all. It may also be that you are unlocking an asset to help you buy another. We can also help you look at all of your options. It could be appropriate to arrange short or long term borrowing instead, securing a loan against a property or even against a portfolio. Whether you need to make a withdrawal to meet your lifestyle needs, downsize, or buy your dream home, we can help you make an informed decision and assist you in unlocking your assets where it is the course of action that is best for you. Contact Us Name* First Last Email* Contact Number* Enquiry Privacy Your personal information is very important to us and we will only use the data provided on this form to provide you with the service or information you have requested. Please see our Privacy Notice for full details of how we use personal data. By submitting this form you are consenting to us using your information for this purpose. Marketing We would like to send you details of other relevant wealth management services from HFMC Wealth such as investment and planning insights, or invites to events. To join our mailing list simply tick the box below. You can unsubscribe at any time. I agree to receive future communications. LONDON CITY OFFICE 29 St John’s Lane Clerkenwell London EC1M 4NA t: +44 20 7400 4700 WEYBRIDGE OFFICE HFMC House New Road Weybridge Surrey KT13 9BW t: + 44 1932 870000 PRIVACY & COMPLIANCE Privacy notice Legal and compliance Important Information USEFUL CONTACTS Financial Conduct Authority Financial Ombudsman Service Information Commissioner’s Office (ICO) INSIGHTS / PRESS / AWARDS Winner – Top 25 Financial Planner – FT Money HFMC Wealth is ranked as one of the top 100 IFAs in the UK CHARITY AND COMMUNITY COPYRIGHT ©2021 HFMC WEALTH LTD | ALL RIGHTS RESERVED MEDIA ENQUIRIES: PHIL BRAY AT THE YARDSTICK AGENCY T: +44 07785 284429 E: HI@THEYARDSTICKAGENCY.CO.UK WEB DESIGN AGENCY WEYBRIDGE-IT LinkedIn Twitter × Read our latest advice on what to look for if you suspect an email to be malicious Learn more