Stocks and Shares ISAs and Cash ISAs

Investments

When you work with SSA we make your money work harder for you. We consider how comfortable you are with different levels of risk, your ability to manage that risk and give you the best advice on your financial plan. Stocks and Shares ISAs are one tax efficient method of saving that might play a crucial part in your financial plan.

Stan Sherlock Associates

Stocks and Shares ISAs and Cash ISAs

Stocks and Shares ISAs and Cash ISAs are tax efficient savings or investment accounts that enable you to save or invest money without paying income tax or capital gains tax on the returns they generate. Our experts will help you make the most of your Stocks and Shares ISA allowance taking a holistic view of your finances. We will guide you on the best way to incorporate ISAs into your financial plan, making the most of your tax allowances.

There are different types of Stocks and Shares ISAs and Cash ISAs:

Junior Stocks and Shares ISA, Lifetime Stocks and Shares ISA, Stocks and Shares ISA

Cash ISAs, Junior Cash ISAs, Lifetime Cash ISAs

Our financial planners know that everyone is different and will take the time to develop your personal solution. We’ll recommend a savings and investment plan only after understanding your personal goals, ever-changing circumstances, attitude to risk and budget.

An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and charges which cannot be foreseen.

FAQ

ISA Questions

Take a look at the frequently asked questions we receive from our valued clients and find the information you’re looking for.

Are Stocks and Shares ISAs and Cash ISAs the best way to invest?

Sometimes! It all depends on your personal financial situation. A Stocks and Shares ISA or Cash ISA is a very tax efficient way of saving or investing. A Stocks and Shares ISA or Cash ISA enables you to save £20,000 a year without paying tax on the return and often forms part of a wider financial plan. Our financial planners also consider when you might need to access your cash, your personal tax situation, your other assets and your overall future financial goals.

Investing is all about context. Our advisers take a bespoke approach, giving you the best advice for you and your family with your circumstances and goals at the heart of the plan.

Why would I invest in a Stocks and Shares ISA?

Why would I invest in a Cash ISA?

What's the difference between a Cash ISA and Stocks and Shares ISA?

Can we help with your ISA?

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Stan Sherlock Associates ISA Service

Why Work With Us?

We are a client first service. You and your family are at the centre of all our advice and your planning. As a family business when you trust us with your money you become one of our own and we will work with you to make your money work harder for you. It’s a privilege for us to help you write your financial story.

Based in Cumbria, but with clients across the UK, we have been in business for 35 years. This is testament to our return clients and the generations of families we help achieve financial freedom.

Junior ISAs

Junior ISAs are a fantastic way for you to start saving for your children’s future. You can save cash or invest up to £9,000 a year. Our advisers can help you set up a Junior ISA, taking care of not only your wealth, but your children’s financial future too.

Stocks and Shares ISAs and Cash ISAs

Investments

Stan Sherlock Associates