How we approach Wealth & Financial Planning
We take an in-depth look at your business and personal financial needs. We use our expertise to create and implement a wealth management strategy that is unique to you and designed to help you grow, protect, and pass on your wealth in a tax efficient way.
Creating a personal wealth plan
Your wealth needs to serve you differently at different stages of your life. Your Wealth Planner will take a detailed look at your business and family financial needs, then use their expertise to create and implement a wealth plan that will help you grow, protect, access, and pass on your wealth.
We use cashflow modelling to forecast your future finances, and to help you anticipate important life events, such as providing for your children, planning for your retirement, transferring your wealth, and legacy planning. We can visualise how events and scenarios may impact your lifestyle and options over time.
For more information, or to book an introductory meeting with a Wealth Planner, contact us at the link below.
Wealth management strategies
Protect what – and who – matters most.
Financial certainty at an uncertain time can give you, your family or your business one less thing to worry about. We want you to feel secure with the knowledge that you have the right contingency plans in place. Our protection planning service uses solutions drawn from the whole of market adapted to your specific needs.
Whether you are looking to grow your wealth, and/or provide an additional source of income, we can advise you on the most effective and suitable structures, using tax advantages and allowances, where appropriate, to help you make the most of your wealth.
You will have access to our discretionary investment management service which provides ongoing active management of your investments. Our advisers ensure your investments are managed in line with your financial goals, and should your circumstances change, we can help you reassess and revise your plans if needed.
Estate planning is not just about passing on your wealth when you die. Good estate planning is about enjoying your life today and making choices about how you support others. You may prefer to see your children – and other loved ones – benefit from your wealth when they need it most, rather than wait to bequeath it in a will.
We can help you create an estate plan designed to sustain your lifetime financial needs and address how you wish to help others. We shall consider your views to ensure the right people, get the right money, at the right time. An estate plan will be tailored to provide you with the right balance of control, access, flexibility, and tax advantages.
Whether you are looking to ensure your business can continue to operate in the event of the unexpected, or you are planning to pass it on to the next generation, having a wealth management strategy in place is key.
Our business protection solutions can help ensure your business – and those connected to it – are financially secure should something happen.
Our expertise in supporting entrepreneurs through a business exit means we can support you if you are thinking about selling – or passing on – your business. We can support you through a tax efficient business exit process, to help you make the most of this opportunity.
Find out more about business continuity and succession planning
Traditional retirement is not for everyone, and many people continue to work in one capacity or another. Achieving the financial freedom required to make the choice remains an important milestone.
Retirement is often a much-anticipated event, and with proper planning, can bring joy, adventure and more time to spend on your passions. We will help you think about what you want to achieve and understand how your arrangements can provide the income and capital you need.
To book a consultation with one of our qualified and experienced Wealth Planners to discuss your retirement plans, please contact us at the link below.
Wealth planning for business, for family, for life.
Wealth protection for you and your family
Financial certainty at an uncertain time can give you and your family one less thing to worry about. We want you to feel secure in the knowledge that you have the right contingency plans in place.
Saving for grandchildren
Whether you are a first-time grandparent, or have amassed a commotion of grandchildren, you may be thinking about how you can save or invest for your grandchildren to ensure they can access funds when you think they might benefit from them most.
Gifts and inheritance tax
Gifting can form a great part of your overall wealth planning strategy. By having the right plan in place and using the allowances and tax reliefs available, it is one way to maximise the inheritance you leave for your loved ones.
Empty nest
If your child is leaving home for the first – or the last – time, your family home will no doubt feel a little quieter. But with more time and potentially more disposable income, it might be time to put your needs first.
Raising financially fit kids
Money can be a tricky concept to explain. Raising children to understand the value of money, the benefits of spending, saving, investing and earning interest, and even borrowing, can seem like a daunting task. However, it’s (almost) never too young to start.
Business exit
Entrepreneurship is a rollercoaster ride. From start up through nurture, scale up and eventual exit, there are thrills and spills along the way, but with the right strategy in place, selling your business can be a hugely rewarding experience.
Retirement planning
Retirement means different things to different people. Whether you’re looking to continue to work in one capacity or another, embark on a new project or hang up the metaphorical suit for good, financial freedom allows you to choose the path you want to pursue.
Estate planning
Some people leave millions to hospitals, universities and other institutions so that their name can live on through “The Clifton Wing”. But for many of us, the idea of a legacy is more modest. It might be more about helping your grandchildren get their names on the deeds to their first home, rather than your name on a building.
Divorce
Getting divorced is rarely straightforward. Whether this is a positive step for you or a difficult change you need to adapt to slowly, we are here to help you think through the many financial considerations and decisions you will need to make.
Becoming a client
Take control of your finances today by completing our enquiry form. Alternatively, you can call us on the number below and one of our team will be more than happy to talk about your future.
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Designed to meet your income and growth goals within an agreed level of risk, we consider all aspects of your life – from your personal aims and ambitions to those of your wider family; from your business goals, if appropriate, to the legacy you want to leave.
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DISCLAIMER
This content should be considered a marketing communication for the purposes of the Financial Conduct Authority rules. It has not been prepared in accordance with legal requirements designed to promote the independence of investment research, and it is not subject to any prohibition on dealing ahead of the dissemination of investment research. It is for information purposes only and does not constitute advice, a solicitation, recommendation or an offer to buy or sell any security or other investment or banking product or service. You should seek professional advice before making any investment decision. The value of investments and the income from them can fall and rise, and you could get back less than you invest. Past performance is not a reliable indicator of future results. Investment returns may increase or decrease as a result of currency fluctuations.
The contents are based on opinions or conditions as at the date of writing and may change without notice. To the extent permitted by law or regulation, no warranty of accuracy or completeness of this information is given and no liability is accepted for its use or reliance on it.