Financial Planning

Jesmond Mizzi Financial Services Limited (JMFS Ltd) offers a comprehensive financial planning service, providing tailor-made solutions to suit the distinct and changing needs of our clients - whether individual or corporate.

Jesmond Mizzi Financial Services Limited is authorised and regulated by the MFSA and our investment advisers can advise you in respect of:

• Your savings and budgeting
• Your investments (page already on site)
• Your retirement (page already on site)
• Your security
• Your family
• Your tax planning (page already on site)
• Your estate
• Your business

With several savings and investment products available and with options to suit all risk profiles and individual preferences, it can be difficult to decide which ones to opt for. As independent advisers, we can provide impartial advice on a wide range of investments.

We will help you choose the best product and provider for your circumstances, whether you're saving for a specific project, saving longer-term for retirement, saving for an emergency, wanting to invest a lump sum or are keen to release capital from your home to boost income.

We offer a discretionary investment portfolio management service which is ideal for those investors who are looking to invest either on a regular basis (Lm25 per month minimum) or as a lump sum (Lm1,000 minimum). JMFS Ltd offers you a service that includes its expertise in choosing funds issued by international and local fund houses, making it more cost effective for investors. The portfolio will be actively managed by JMFS Ltd so investors are relieved from the day to day decisions regarding their investments. Please click here for further details. (link to pdf Brochure of JMFS Savings Portfolio)

Have you protected yourself and your family against money worries in the event of redundancy (job loss), illness or premature death?

At Jesmond Mizzi Financial Services Ltd, we can help you decide which options best suit your circumstances. We offer an integrated approach to ensure all aspects of your financial affairs are considered in the round. Our advisers aim to develop with you a sound financial plan that is, and should remain, both flexible and appropriate to your circumstances.

We offer the following comprehensive range of services:

• Protect your dependents if you die
• Make sure you are financially protected if the person you depend on dies
• Safeguard your income and make sure you have enough to live on should you fall ill or be made redundant
• Ensure your mortgage / home loan payments are covered in the event of sickness or redundancy
• Make sure you pass as much wealth onto your dependents as possible - and in the way you wish
• Insure your business against employee injury or death at work

Anyone with a family should make sure they have recently reviewed plans for their family's security. Areas for consideration include:

• Financial security for your family (such as life assurance)
• Income protection
• Mortgage repayment
• Health cover
• Managing income when children are young
• Paying for children's education
• Reviewing your will

We can help you to:

• Make sure your beneficiaries lose as little of their inheritance in taxes as possible
• Choose the most appropriate way of owning property
• Select the right life assurance cover for you
• Use property as an investment
• Make a will

Have you given much thought recently to financial planning in relation to your business?

Have you taken adequate take steps to:

• Boost the business income through investments? We can offer independent advice on several foreign and local funds managed by various
investment houses as well as offer access to tax efficient investments for your company funds and also advice about protecting your business assets.
• Ensure personal financial plans fit with your business goals?
• Ensure your business is adequately insured, for example, against loss of a key person and their expertise and contacts?
• Ensure your shareholders are protected so if one shareholder retires or dies, control of the company remains in the right hands?

Jesmond Mizzi Financial Services can help you to develop a thorough understanding of your personal and business needs which would result in a tailor-made plan designed to achieve your goals and objectives.

We do not use standard letters or panels of product advisers when giving advice - any advice takes into account the economy, the general financial environment and your own circumstances. Please speak to one of our advisers for more information.