Whether it's school fees advice for public school fees, private school fees or university school fees School Fees Advice can help you. For many, the decision to provide their children with an independent or further education is a major one. The financial implications of schools fees can often be a matter of stress and worry. We can help provide you with peace of mind and protection against unforeseen circumstances, reducing the risk to you as a parent and making the whole process much easier.

Regular savings for school fees can help defray future costs and should ideally be started as soon as possible. It is wise to commence school fees planning before your children are born. The longer that you save, the less the impact there will be on income when school fees fall due. There are many plans available that can be tailored to individual needs and requirements. This leaves individuals with flexibility to use funds at their discretion.

Lump Sum investing -- Should you be in the position of having a lump sum that you can "earmark" specifically to meet the cost of future school fees, there are a range of plans open to you. Early investment of capital can at best avoid the need to use income for providing for school fees in later years, or at worst go a significant way towards reducing reliance on income. With all investment options the monies are only "earmarked" for school fees and it is at the investor's discretion how funds are used.

In all instances, we embrace fully the need for tax efficiency and flexibility of approach when tailoring individual arrangements. Portfolios and recommendations are specifically constructed to take into account clients' attitude to investment risk.

Payment protection -- It is important to ensure that the payment of your children's school fees can be continued in the event of a change in your personal circumstances due to serious illness, injury or death.

Trust planning can be useful for grandparents who wish to make provisions for school fees and achieve Inheritance Tax benefits at the same time.     

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