Andrew Murray
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We are Leanne Craven and Lynsey Murray and we work as financial planners and mortgage and protection advisers for Andrew Murray in a small family run practice. We are in the process of purchasing the business from Andrew as he plans to retire soon so we will be re-branding in the near future as LC Financial. We have been working towards this transition for many years as our plans were delayed by the pandemic so we are very excited for the future of our business. We are incredibly passionate about what we do and how we help our clients to create a future that they dream of. We do this through expert tailored face to face advice. We work with our clients to understand their goals (business or personal) and then develop a financial plan to help them achieve their objectives.
Based in Birstall, we provide advice in and around Yorkshire and the North of England. With over 20 years of experience in the many aspects of financial advice that there are, we are committed to ensuring that our industry knowledge remains relevant and current, by the importance we place on our ongoing personal and professional development. This, along with the pride and dedication that we place on developing solid personal relationships with our clients, ensures that we can offer a rounded, professional, and highly principled service.
Our clients are at the heart of everything we do. We can assist you with:
- Protection (protecting your personal or business assets, family, income)
- Mortgages (First mortgage, re-mortgage, buy to let)
- Savings & investments (tax efficient savings for you and your family)
- Pension planning (consolidating existing pensions, starting a new pension, group pensions)
- Inheritance tax planning (Legacy planning, succession planning)
Here is a more in depth explanation of what we can offer:
Mortgages
Buying a home might be the most substantial purchase you ever make, so it’s vital that you have the right mortgage. With so many lenders offering so many products, the choices can be bewildering. Your St. James’s Place Partner will help guide you through the complexity of today’s mortgage markets, making the process as straightforward as possible. Finding you not only the right kind of mortgage to suit your individual needs, but also one of the best rates from the most appropriate lender. We review a vast number of products and offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries. We also have access to exclusive offers not always available on the high street. Our level of service, flexibility, and competitive products ensure we are well equipped to help source the best mortgage for you.
Protection
What would happen to your family’s lifestyle, if you or your partner suddenly couldn’t work due to illness, or a period of unemployment?
You can’t predict what tomorrow may bring, but you can protect everything you care about today. For example, you can ensure you have:
- Life Cover (including Term Assurance and Whole of Life) – can provide a tax-free lump sum to whoever you select by way of a Trust.
- Critical Illness – provides a tax-free lump sum in case you are diagnosed with an illness such as cancer or suffer a heart attack.
- Income Protection – that gives you a proportion of your income if you had to take time off work due to an accident or serious illness.
- Employee Benefits
- Private Medical Insurance
You may know somebody who’s had to cope with one of these life events. And one day, it might be you. It can be hard to face life’s ‘what ifs,’ but putting plans in place to help future-proof family finances can make a real difference to your peace of mind, and your financial wellbeing tomorrow. Our personal protection products and services can help cover most of life’s eventualities.
Pensions
Your pension is a longer term investment, designed to help you to build the capital that you are likely to need to live on during your retirement.
It’s likely you will need a sizable fund by the time you decide to retire, and investment growth will play an important part in achieving this. However there are also other aspects to investing in your pension that are worth being aware of that can help you to achieve your goal; these include salary sacrifice, compounding and pound cost averaging.
Savings
We can assist you to secure the best returns for your hard-earned savings, planning the most tax efficient method of achieving future financial goals.
Investments
A personal investment strategy keeps your short- and long-term goals in sharp focus. Crucially, we’ll ensure this strategy stays right for you with regular reviews.
You can rely on us to select the right blend of investment products for the job and set everything up so you pay no more tax than you need to. With our range of investment solutions, you’ll have a better chance of achieving your goals.
Inheritance Tax
First, the good news. There is a nil threshold, known as the nil rate band which everyone is entitled to. This effectively means no IHT is payable on assets valued up to £325,000 (i.e the nil rate band) of an individual’s estate. And where this full allowance has already been passed to a surviving spouse or registered civil partner, it means that assets valued up to £650,000 (using current figures) won’t be liable to IHT on the death of the surviving partner.
The not-so-good news is, anything over and above this amount is generally taxed at 40%.
Personally-tailored advice regarding IHT and estate planning is just one way to protect your loved ones. We also offer services to protect your family finances should you fall ill, lose your job, or if your relationship or marital circumstances change.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances.
The value of your investment can go down as well as up and you may not get back the full amount invested. These investments do not include the same security of capital which is afforded with a deposit account.
Your home may be repossessed if you do not keep up payments on your mortgage.
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- Insurance & protection
- Pensions & retirement
- Mortgages
- Financial planning
- Investments
- Savings
- Tax & trust planning
- Business
Dip PFS Cert CII (MP) BA (Hons)