About us
I have been a financial advisor since 1994, having previously worked as an Engineer, involved in Management, within the Food & Drinks Industry.
My particular areas of interest are investments, pensions both pre and post retirement, equity release, and inheritance tax planning. I received accreditation as a Later Life Specialist with the Chartered Insurance Institute in 2016, having achieved continual qualifications since 1994.
De Beul Kerr, are working to reduce their carbon footprint, by way of video meetings, client portal, paperless, wherever possible and more importantly, Sustainable & Environmental investing, on behalf of our clients. This is a real passion we all share within the company and in conjunction with our investment partners, Aubrey Capital Management.
It is an amazing honour & responsibility knowing so much about our client’s private affairs, as well as their hopes, fears and dreams. I believe the key to being a good advisor is having a reasonable level of technical knowledge, more importantly, the ability to listen and care about what really matters to people.
Brain Kerr, Managing Director
My client base is extremely varied, ranging from young people, just starting their financial planning journey, to much older people completing theirs. I also advise companies and we work with our charity partner, Cash for Kids.
Socially responsible investing (SRI), social investment, sustainable socially conscious, “green” or ethical investing, is any investment strategy which seeks to consider both financial return and social/environmental good to bring about social change regarded as positive by proponents.
Recently, it has also become known as “sustainable investing” or “responsible investing”. There is also a subset of SRI known as “impact investing”, devoted to the conscious creation of social impact through investment.
Equity Release by it’s nature is a very personal decision and one which should only be taken based on all available information and a trust in both the process and the professional accredited to to advise you. We fully understand the value you place on your home and it’s value as an asset for your loved ones. Prior to making any decision we are happy to fully discuss this with no obligation via Skype or Telephone. To avail yourself of this please click on the button link or on Read more to book a call.
What is Equity Release? If you’re a homeowner, you’ve probably seen the value in your home increase over time. Equity release allows you to tap into some of this value and release a cash sum. Equity release is a way of releasing the wealth tied up in your property without having to sell it and move to another home. You can either borrow against the value of your home or sell all or part of it in exchange for a lump sum or a regular monthly income. Some plans give you the option to “draw down” further equity (cash) at a later date, based on your requirements. Click image to go to our Equity Release specific website..
Having been an Advisor since 1994, I have built up a wealth of experience & knowledge within financial services. This has allowed me to give excellent advice & support to my clients through the aspects of their life. On Sunday 10th April the Sunday Times published their first supplement listing the Top 250 IFAs in the UK based on reviews on the independent consumer ratings website VouchedFor.co.uk. We are proud, but not at all surprised, to say that Brian Kerr was featured. Our Vouched for rating is 4.9/5 – click through to view our profile
Investments – why should I get advice? The reasons you are best to seek Independent Financial Advice on investments are that clearly care must be taken in selecting the types of investments to match the risk and timescales dictated by your individual investment objectives. This should also be associated with the separate elements of the overall investment pot, by doing so we at De Beul Kerr can help you achieve greater financial worth and security for you and your families benefit too.
There are four main types of protection policies which are: Life Cover – arranged on either a term or whole of life basis and pays a lump sum Critical Illness – pays out a lump sum if you succumb to a predefined condition Income Protection – pays a monthly percentage of your lost income due to incapacity Private Medical Insurance – pays for private hospital medical treatments
Income tax planning can make a significant difference to the tax you pay. By planning for income tax, you should be able to take advantage of any opportunities to minimise your tax bill. Personal tax planning can present additional options, for example in terms of capital gains tax and inheritance tax. This outline provides a brief introduction to personal income tax planning and other personal tax planning issues. If you are in business, this should be part of a broader look at your overall business taxes.
Retirement – why should I get advice? When you’re coming up to retirement you have lots of decisions to make, not least how to convert your pension pot into retirement income. Why get help? Unless you’re in a pension scheme that pays you an income based on your salary once you retire (final salary scheme), you’re most likely to be saving into a scheme that provides you with a sum of money (known as your pension pot). If that’s the case, you’ll have to decide how you are going to use your pension pot to provide an income when you retire.
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