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The Exeter Travel Clinic – providing both travel vaccinations and others such as Meningitis B, MMR and chicken pox
Fairlinch campsite in Braunton is now open! Special Summer reduction for family pitches 2 Adults + 2 Children £20 per night. Visit their website here.
Guest post by Andrew Neligan of Neligan Financial
I established Neligan Financial in 2016 having moved back to this wonderful county after 20 years away (it pulls you back sooner or later!).
The purpose of the firm is to enable Devon’s business owners to live the retirement they wish without money worries. In practice this involves working closely with my clients to help uncover what really matters in life, working out if they are on course to be able to do that when they wish to and, if not, formulating and implementing the actions to make it achievable.
* What will happen to my wife and children if I die or can’t work?
* What will happen to my business if my business partners die or have an accident?
* How much wealth do I need to accumulate so I can stop working?
* When can I afford to start phasing into retirement?
* How can I use my business to help achieve my personal goals?
* How can I legitimately minimise the tax I pay?
The problem is you think you have time
The single biggest regret I hear from people as they near their intended retirement age is they should have started preparing for it sooner. This is either because they haven’t built up enough wealth to fund their ideal retirement lifestyle and will have to “cut their cloth accordingly” or they’ve worked out that they will have more than enough so could have stopped working sooner. Not only that but the Government is going to be the major beneficiary of all the money they’ve accrued.
“My business is my pension”
I’ve also heard people say they’ll either sell their business or step away but continue to receive dividends throughout their retirement.
Either may be possible but it is also a high risk strategy for a time of life when risk will want to be reduced and control increased.
Consider all the business that have closed over the past five to ten years. It may have been a result of the Credit Crunch, a new competitor moving in or a technological change making your product or service less competitive. How would this affect you and your family if it were to happen to you when you retire?
If your plan is to leave the day to day running of the company to the next generation or a management team how can you be sure that they have the same passion, drive and abilities that made it successful in the first place.
What is your business worth?
Consider this: if someone advised you to take that capital value of your business and invest it in a small, illiquid company would you do it or run a mile? My guess it would be the latter but you are taking this decision every day with your business that you have poured blood, sweat and tears into. Would you really want to risk your retirement on it too?
Your business is a great way to increase your wealth but there are also many opportunities to reduce the personal risks you are exposed to and minimise the tax you pay now and in retirement.
The key is to ensure your business and personal objectives are aligned so that you are in control of when you stop rather than having your business decide when you can.
If you would like to discuss how you can use your business and live your ideal retirement without money worries, please contact me. First meetings are at my cost and without obligation to proceed with my services.
Neligan Financial Limited is an appointed representative of Best Practice IFA Group Limited which is authorised and regulated by the Financial Conduct Authority. Company registered in England number 09948729. Registered office: 28 Alexandra Terrace, Exmouth, Devon, EX8 1BD
The plans for 55 more houses at South Park in Braunton are now available online here. If you want updates on proposals for further developments in Braunton then ‘like’ our Facebook page or check AboutBraunton.com.
If you’re after a great cooked breakfast in North Devon then look no further than The Kabin Cafe at Chivenor. Run by the ever-friendly Kevern Staddon (pictured) it does what in my view is the best cooked breakfast around. They’re open six days a week and not only do breakfast but also lunch, snacks and take-away. For more information see their Facebook page. The menus are below. It’s a fantastic little gem of a cafe only a few minutes from Braunton. To get there drive from Braunton to Barnstaple. Just past the Chivenor roundabout turn right onto Chivenor Industrial Estate. Go over the bridge and follow the road to the right until you come to it just on the left.
If you’re thinking of camping in North Devon this Summer then look no further than Fairlinch Camping in Braunton. It’s within easy reach of the beaches of Saunton, Croyde, Putsborough and Woolacombe as well as a short walk into the village of Braunton. It’s run by a local farmer and is a very friendly and welcoming campsite indeed. For more information you can visit their website or their Facebook page.
Rick Yeo Heating Ltd specialise in a range of work including:
- Installation and maintenance of domestic boilers (oil, gas, LPG and solid fuel), cookers (including AGAs and Rayburns), gas fires and water heaters (gas and oil).
- Installation and maintenance of swimming pool boilers (gas, LPG and oil).
Installation and maintenance of wood and solid fuel burners including chimney systems and necessary building works
- Installation and maintenance of commercial boilers and relevant gas pipe work up to 1 cubic meter.
- Provision of Landlord Gas Safety Certificates for domestic properties and Leisure Park Vehicles.
- Plus heating and hot water systems and general plumbing works……