Our Services

Financial Planning

We then use our experience and training to advise on the right use of the tools available to help you achieve those goals with the wealth that’s available. This might result in an investment portfolio, a retirement planning strategy, an insurance package to protect you against the unknown. It may also involve a tax mitigation or minimisation strategy or advice around the most efficient way to draw from one’s assets when you reach a decumulation phase of your life. It might also involve planning for later life care or passing on as much of one’s assets as possible to future generations whilst still retaining control and flexibility as required.

Financial planning involves listening to you and understanding your goals and then designing a plan, explaining a plan in terms you can understand and then implementing that plan to suit you and your families’ requirements.

And finally It encompasses the on-going monitoring of that plan and altering that plan as required as we travel along that life path together as client and adviser.

Savings and Investment

Experience has taught us that people will look to have an investment strategy in place that’s designed to meet their specific goals and time horizons, one that is well-researched and constructed for their individual needs.

You may be looking to grow the long-term value of your wealth, to provide an income for your retirement or to pass capital on to future generations. A successful portfolio is one that balances investment potential with a level of risk that you find acceptable. The process involves understanding the objectives, understanding the level of risk you’re prepared to take, setting an appropriate asset allocation policy with a style of wealth management that suits your preferences and then ensuring that the solution selected not only meets the parameters set at outset, but also continues to do so in the future. We will also monitor the criteria and reaffirm they’re still suitable or change them in consultation with you in the future as required.

Estate Planning and Inheritance Tax (IHT) Planning

We have an excellent track record of advising and assisting individuals in preserving their wealth and passing on as much of their wealth as possible within appropriate parameters to their heirs.

We can help to reduce your IHT liability by using a variety of different planning strategies such as:- The use of Business Relief Qualifying investment structures, gifting assets into a range of different trust structures with different flexibilities in terms of retaining some access to income and capital, making gifts from surplus income, using suitable life assurance policies and maximising your annual tax-free allowances.

As we always take a holistic approach to our client’s finances, the plans we help them put in place for the benefit of future generations always take account of their own ongoing financial requirements, such as the potential need to pay for long term care. Your needs come before the needs of future generations, so we generally won’t suggest estate planning strategies UNTIL we’re sure you have sufficient income and capital for the rest of your life.