The way we see it

Congratulations

We are delighted to announce that Steve has passed the STEP Certificate for Financial Services – Trusts and Estate Planning examination with a Merit.

Many congratulations Steve.


Have you made the most of the ISA limits for this tax year?

Since they were introduced in 1999, Individual Savings Accounts (ISAs) have become one of the most popular ways to save. ISAs are exempt from income tax and capital gains tax on the investment returns, you also don’t pay any tax on the money withdrawn from your ISA.

Each year, your ISA allowance is reset. This means that you can invest up to a certain amount in your ISA every tax year, you cannot carry your ISA allowance over between tax years, so if you dont use it you will lose it.

The savings limit for a cash and/or stocks and shares ISA for the 2018/19 tax year is £20,000. For Junior ISAs the limit for the current tax year is £4,260.

In order to make the most of these available allowances you have until 5th April 2019, from 6th April 2019 we will be in the new tax year and the ability to use some or all of your available allowance will be gone.

Call us to see how we can help.


Presentation of team kit

We are pleased to sponsor the team tracksuits for Worle based Priory Puma’s under 14’s football team and wish them every success for the remainder of the season.


A review of 2018

We began the year with a change of company name from Laver Financial to Laver Wealth, we believe this subtle change reflects the company we are today and going forward. Along with updating  our literature we also refreshed our website which now includes our client portal, an area where we can deliver quarterly Reflex reports digitally.

2018 also saw the 10th Anniversary of Reflex our proactive investment management service, we are very proud of this achievement and look forward to working towards the 20th anniversary!

We faced a number of challenges, the main one being a change to our reporting method. New rules imposed on us by the MiFID II directive meant from January 2018 we are obliged to provide quarterly investment reports – instead of the half yearly ones we had previously been producing. The content and format of the reports also had to change which brought with it a number of issues which we are pleased to say have been met and overcome. However we continue to look at how the reports can be improved and any feedback is most welcome.

Our business is steadily expanding, last year saw an increase in the number of new clients we welcomed to Reflex. This being primarily due to the support from our fellow professionals and existing clients recommending our services to others, for which we are very appreciative, long may it continue!

Looking forward to 2019, we will continue to analyse and question how we work with our clients and fellow professionals and hope to enhance further the experience people have with us.

 


Congratulations David and Pauline Wynne

We want to congratulate our clients David and Pauline Wynne for both winning trophies in the recent competitions at Ashcombe Bowling club. Pauline won the Ladies Handicap trophy and David won the Presidents Trophy. Well done to you both.


Christmas card charity

Each year we produce our own Christmas cards and make a donation to charity, we are pleased to say that this year we are supporting the Children`s Hospice South West.


Bristol Bears V Gloucester Rugby event

Thank you to the clients who joined us on Friday for the Bristol Bears v Gloucester Premiership cup rugby match at Ashton Gate. It was an enjoyable evening, rounded off with a win for the Bristol Bears.


‘Reflex’ – Proactively managing our clients wealth for 10 years

We developed and launched Reflex in 2008 to meet the growing investment needs of our clients. It underpins our financial planning process and advice, allowing us to actively manage the underlying funds within the products we recommend. At a time when it is tough to get the right results, it is crucial to know that your money is working as hard as possible. We would like to thank our Reflex clients for their continued support.


Portishead Bowling Club

We were proud to be a main sponsor of the 40th Annual Open Pairs Tournament and the Ladies Triples Day, both took place during the summer months and we are pleased to support the club.


Alzheimer’s Society – Charity Black Tie Ball

We were proud to be one of the main sponsors for the charity black tie ball on 5th October at the Royal Hotel Weston-super-Mare.


Weston Youth Orchestra

We have supported the Weston Youth Orchestra for a number of years, most recently with the programme for their concert on 6th October, we hope the event went well.


Presidents Day Weston-super-Mare golf club

We were pleased to support Gordon Robert with his Presidents Day on 22nd September at the Weston-super-Mare golf club, we hope the day went well.