Celandine Ltd is an appointed representative of Interdependence Ltd, which is authorised and regulated by the Financial Services Authority. Interdependence Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 149826.
Registered in England & Wales Company Registration No: 5131482 - Registered address: 1 Monnow Keep, Monmouth, NP25 3EX -
Licensed Credit Brokers No: 556227.
Not all products/services mentioned on this site are regulated by the FSA.
This site is based upon UK Law and regulation and is for UK consumers only.
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Celandine is a firm of Independent Financial Consultants situated in the historic and beautiful town of Monmouth. The Celandine, with it's fervour, patience, dedication, and even it's medicinal qualities, is an association of which we are proud.
The name Celandine derives from one of the earliest spring flowers, which can be seen in abundance at the beginning of spring right through to October, providing a carpet of delightful yellow over the surrounding countryside, along hedgerows and sheltered riverbanks. William Wordsworth, who was a frequent visitor to the banks of the River Wye, wrote of the Celandine:
"when hailstones have been falling swarm on swarm;
or blasts the green field and the trees distressed;
oft have I seen it muffled up from harm;
in close self shelter, like a Thing at rest"
Welcome to our website.
Top of Page | E-mail Us | About Celandine Independent Financial advisers (on main site)
Top of Page | E-mail Us | Independent Financial Services News (on main site)
Not content with the popular image of financial service professionals, we formed with the goal of changing hearts and minds through a progressive range of skills and services where your needs are the focal centre. Believing lasting relationships to be the remit for success we stay on the edge of new developments to give you the best-informed guidance possible, and provide you with regular updates and reviews.
What's our secret? How are we changing the popular perception? Firstly, passion - a vibrant collective, we are driven to providing you with the best possible service, and our clients feel the difference immediately. Secondly, we consider our role within your financial concerns as a privileged one. Thirdly, we take a strictly no-nonsense approach to a challenging field - when it comes to modern financial life, it's the best way to be.
We're sure you feel the same.
Top of Page | E-mail Us | Financial Services - Introduction (on main site)
Offering advice on a comprehensive range of investment products, our recommendations place emphasis on investment & saving, short-term and long-term objectives, ethical considerations and whether you need to invest for income or for capital growth. Reinforcing our commitment to you, as an individual with your own needs, we assess both your attitude to risk and taxation position - of vital importance to an effective strategy.
You will be presented with a portfolio when we recommend investments, as well researched as it is varied - through diversification flexibility increases and risk can be minimised. Naturally, we provide regular reviews and up-dates for clients, remaining proactive during volatile times for market conditions and never complacent during profitable periods.
Top of Page | E-mail Us | Financial Services - Investments & Savings (on main site)
There are a variety of options and terms currently on the market, we research and recommend the most suitable service with the most competitive premiums possible.
• Term Assurance
• Mortgage Protection
• Whole of Life Assurance
• Gifts Intervivos Cover
• Critical Illness Cover
• Income Protection
• Accident, Sickness and Unemployment Cover
• Family Income Benefit
Top of Page | E-mail Us | Financial Services - Protection (on main site)
Who isn't concerned about this? In today's environment, planning for retirement is indeed planning for financial independence. With the population living longer and more and more people retiring early, retirement has become a time for pursuing those interests, hobbies and ambitions that have taken a backseat to careers, families and other obligations. Historically, it was felt that a bare minimum income would be suitable during retirement - today's retired individuals aspire to a higher standard of living.
Personalised Solutions tailored to your individual needs. As a company, we do not consider pensions as the only method of achieving financial independence; each individual's circumstances are different. You may wish to invest in property or require the flexibility or accessibility of Individual Savings Accounts. With everything we do, the long-term objective of your financial concerns is paramount, the personalised plan we provide is regularly monitored to ensure the target income is achievable.
Top of Page | E-mail Us | Financial Services - Retirement (on main site)
We are also available to assist with will writing.
The FSA does not regulate Estate Planning or Will Writing.
Top of Page | E-mail Us | Financial Services - Estate Planning (on main site)
We are experts in the guidance needed for the most efficient method of funding these fees, with the primary aim of protecting your assets and maximising financial comfort throughout periods where care is required.
Top of Page | E-mail Us | Financial Services - Long Term Care (on main site)
Capital raising for individuals, who wish to purchase a home or a second property, is a highly competitive market and one we understand completely. Our service is based upon rigorous market research and analysis, translating the most comprehensive advice and information possible into the most appropriate and cost competitive products to suit you.
NOTE:
Your home may be repossessed if you do not keep up repayments on your mortgage.
Top of Page | E-mail Us | Financial Services - Mortgages (on main site)
We deliver an important service to you, our corporate clients, in identifying areas where you can profit from our advice. Readily on hand, we advise and assist you with your obligations as employer. Protecting the company in the event of death or serious illness of a partner/ director or key person we see as being paramount to a strong foundation. We aim to work in partnership providing practical advice to take day to day financial worries away from you, enabling you to focus on your business formula, the key to success:
• Group Personal Pensions
• Shareholder/Partnership Protection
• Group Income Protection
• Capital Raising
• Key Person Assurance
Top of Page | E-mail Us | Financial Services - Business Solutions (on main site)
It is a fact that an amazing 70% of the UK population do not have a Will. Do married couples assume they will inherit all of their partner's estate on their death? This is untrue, under the rules of intestacy, a spouse with children will be entitled to the first £125,000 only and a life interest in half of the remainder.
A Will is not solely concerned with passing on your worldly goods to another of your choice but can also be a valuable document enabling you to mitigate against the effects of long term care costs and inheritance tax. It is also an essential tool in providing for members of your family who are not recognised by the rules of intestacy, such as unmarried partners, step children or elderly parents who rely on you.
I believe one of the most important reasons to make a Will is the peace of mind it affords, lessening the burden of your death on loved ones. It costs very little to make a Will but the costs of avoiding this obligation can be very high.
The FSA does not regulate Will Writing.
Top of Page | E-mail Us | Will Writing - Introduction (on main site)
Celandine offer a Personal Will Writing service to clients, our objective being to accurately reflect your intentions in this important legal document.
We offer advice and guidance on the following matters:
• Appointment of Executors and Trustees
• Appointment of Guardians/Parental Responsibility Agreements
• Providing for Disabled Beneficiaries
• Specific Gifts
• Business Assets/Foreign Property
• Valid Execution of a Will
Where there is no Will, your property will pass under the Laws of Intestacy which sets out a ‘pecking order' as to whom should benefit. With no living relatives at the time of your death, your estate will pass to the Crown.
The FSA does not regulate Will Writing.
Top of Page | E-mail Us | Will Writing - Wills (on main site)
Inheritance Tax is payable on death at a rate of 40% on assets held in excess of £300,000 (current tax year, 2007). This tax can be easily avoided through careful planning within your Will. This is probably the most cost efficient way of saving your estate a hefty tax bill on your death.
Any property passing to a spouse on death is free of tax however without planning the effect of the increase in the survivor's estate on their death can lead to a significant tax bill.
Husbands and wives could leave Nil Rate Band Discretionary Trusts in their Wills. On the death of the spouse the balance of the nil rate band is placed into a Discretionary Trust created in the Will without prejudice to the survivor's comfort or security as the trustees have complete discretion on the distribution of the fund. Did you know that the Treasury pockets over £1billion a year in inheritance tax?
The FSA does not regulate Will Writing.
Top of Page | E-mail Us | Will Writing - Personal Tax Planning (on main site)
Trusts can easily be created in your Will, an advisable solution where there is a need to protect or preserve assets. Trust are also important where provision needs to be made for minor children and infirm, disabled or mentally ill beneficiaries.
Example: Mrs Caring has sole responsibility for her son, Optimistic Dan who is disabled. Mrs Caring is rightly concerned as to what would happen to Dan should she die. Without making a Will, the Court of Protection will appoint a guardian and a receiver to look after Dan's affairs. It is likely that Dan will need to go into residential care.
With advice from Celandine, Mrs Caring prepares a Will appointing Mr Nice to care for Dan and placing monies into a Disabled Beneficiary Trust for Dan's welfare and maintenance. Mrs Caring can now sleep soundly.
The FSA does not regulate Will Writing.
Top of Page | E-mail Us | Will Writing - Trusts (on main site)
A Lasting Power of Attorney is a document you can sign now in which you appoint someone to act for you should you become mentally incapable of dealing with your affairs. LPAs replaced Enduring Powers of Attorney on 1 October 2007, existing EPAs made before this date are still valid.With LPAs, one can extend the Power given to attorneys to deal not only with your property and financial affairs but to make decisions on behalf of your personal welfare, including healthcare and consent to medical treatment. Whereas an EPA can be used when a person still has capacity, an LPA will only become legal once the person has lost capacity.
If you do not have an LPA and you become incapable your next of kin will have to apply to the Court of Protection for a Receivership Order appointing someone to act for you. This can be costly and timely and the courts may appoint, not your next of kin, but a Court Official. There are therefore clear advantages in executing an LPA while you are able.
The FSA does not regulate Will Writing.
Top of Page | E-mail Us | Will Writing - Lasting Powers of Attorney (on main site)
Whether someone dies with or without making a Will, an appointed administrator or executor has a legal responsibility to administer the estate accurately and within a reasonable period of time. This can involve dealing with bureaucracy on a number of sometimes complex matters including:
We offer a complete Estate Administration service for clients which is carried out sensitively, thoroughly and cost effectively. We can guide and assist clients with probate applications from the initial valuation of the estate right through to the distribution of the estate in accordance with the Will or the Rules of Intestacy.
We have a clear and transparent fee structure based only upon a competitive hourly rate.
The FSA does not regulate Probate.
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