We provide an independent financial planning and investment advisory service to Private Clients and Trustees
We create long-term mutually beneficial working relationships with our clients and their families. Our financial advice is wide ranging, encompassing the elements as described below.
Financial planning
It is important to identify what you want to achieve and how you can do this. Our role is to gain a deep understanding of your goals/aspirations and to create (with regular reviews) a financial plan that helps you achieve your goals. Your financial plan will be underpinned by financial advice, cashflow planning, tax structures and investment solutions, all carefully chosen and tailored to meet your needs.
Cashflow planning
This is a tool we use to illustrate how you can meet your goals, in particular; the fund size you need for your desired lifestyle in retirement; how you can increase your spending in retirement; how much can you afford to gift etc.
Protection planning
This can help provide peace of mind in the event of a critical illness, long term disability or death. We help you plan for the best way to protect you and your family.
Investment advice
We advise on the most appropriate investment structures and solutions that underpin your financial plan. We review your existing investments and suggest changes if needed. Recommended investment solutions are managed on a discretionary basis by globally recognised and respected portfolio managers offering competitive ongoing costs and proven track records.
Retirement planning
We work with you to proactively plan for your retirement and help you decide on the options available once you reach retirement.
Tax planning and advice
We help you minimise your tax liability by advising on the most tax-efficient ways to save, invest and spend your money. Where you have complex tax affairs we work with your tax advisers.
Estate Planning and Inheritance Tax (IHT) mitigation
We advise on inter-generational planning helping you to pass on your assets to future generations tax efficiently without compromising your standard of living and financial independence. We advise on solutions to help mitigate the IHT liability on your estate. With complex estates we work with your lawyers and tax advisers to ensure an integrated approach.
Advice for Trustees
Our service encompasses advice to Settlors on the most suitable type of Trust(s) and to Trustees on the most appropriate tax structures and investment solutions. Ongoing advice to Trustees is focused on ongoing reviews of the suitability of investments within the Trust and advice on the distribution of Trust assets.
Advice and assistance for Executors
For existing clients we can assist Executors and their professional advisers with investment valuations, product information, financial advice and assistance on asset distributions.
Our process
Exploratory meeting
Gaining an understanding of your financial position will enable us to explain how we can help you and to illustrate the features and benefits of our Financial Planning & Investment Advisory Service. We would, where appropriate, follow up with a fixed fee Financial Planning proposal and if you instruct us to proceed we will undertake the following steps.
Discovery meeting
A key part of the financial planning meeting is to obtain a deeper understanding of your financial priorities, objectives, and aspirations. We will discuss your attitude towards investment risk and explain how such risk may affect you. We would conclude the meeting with a discussion of our findings and a brief overview of the recommendations that would meet your needs.
Research, analysis and recommendations
At this stage, we will begin the process of thoroughly analysing your current position based on our extensive knowledge & experience and commence researching potential solutions for your needs.
When we have all the information we require, we will prepare a full financial planning report for you that will set out your current position and outline thoroughly researched recommendations we believe to be in your best interests. During a follow-up meeting we will discuss these recommendations with you and guide you through our report step-by-step. You are under no obligation to instruct us to implement our recommendations.
Implementation
Once you feel that you are able to make a fully informed decision to proceed, and you have given us your consent, we will begin the process of implementing our recommendations. We will help you to complete all of the relevant forms and liaise with the solution providers on your behalf.
Ongoing Financial Planning and
Investment Advisory Service
Our ongoing service will include an annual review with you. An annual financial review means you gain a clear picture of your current financial position and helps you make informed decisions for the future. It helps to ensure that you are on track to achieve your financial objectives and to address any challenges or opportunities that may arise.
