Your Financial Advice Needs

Everyone’s financial aspirations are unique, and they often evolve over time. So, we offer a range of services and solutions that can be tailored and adjusted to fit your individual financial planning needs, circumstances and requirements.


Holistic financial planning

Good financial planning and advice from regulated professionals is important throughout all stages of life to help create a secure financial future.

We take a structured, five-step approach to creating a unique financial plan that’s individually tailored to your current circumstances.

Our full financial planning service includes reviewing the tax-efficiency of your portfolio, protecting your assets, planning for your retirement, and planning how and when you can afford to pass on your wealth to your chosen beneficiaries.

As part of our overall wealth planning process, along with your more typical investments, we will also acknowledge any physical assets you may own.

Your plan will be designed to help give you the confidence and peace of mind to live the life you want, while also being flexible enough to keep pace with any changes you might face.

Pensions and retirement planning

Contributing to a pension is a great way to build wealth tax-efficiently over the long term. When you reach retirement age, you’ll have various options to access your money, and depending on the value of the pension, it could provide you with an income for the rest of your life. With complex rules and legislation around pensions, financial planning can give you clarity and help you plan for your retirement effectively.

If you think you’re ready to retire, our Wealth Planners can help you examine your budget and savings, assess the affordability of your plans, and talk you through the different ways to fund your retirement aspirations.

Investment planning

One of the most important steps to successfully managing your investments is taking the time to regularly review your portfolio. By doing so, you maximise your opportunity to keep your investments on track to meet your financial aspirations.

Wealth is more than money. Managed the right way, it should be a tool that brings you closer to your life’s ambitions.

Your financial ambitions should remain centre stage and it’s important that you feel comfortable with the level of risk you’re taking with investments.

Please note: The value of your investment(s) and the income derived from it, can go down as well as up and you may not get back the full amount you invested.

Tax planning

Proactive Tax planning can have a remarkable effect on your personal finances. There is never a one-size-fits-all approach to tax, each taxpayer will have different circumstances and situations which could affect their tax situation. There are several valuable allowances and tax reliefs which you may benefit from, so you should ensure you have all the information you need before you decide how, when and where to invest.

It’s important to take the time to carry out a review of your taxation and financial affairs to identify any tax planning opportunities in order to take appropriate action before it’s too late, remember some allowances are lost at the end of every tax year. The best way to pay less tax is to plan ahead, and with the right advice, you may be able to keep more of your money to enjoy, invest, save, or pass on.

Please note: The Financial Conduct Authority does not regulate advice on taxation

Inheritance & Estate planning

As part of your financial plan, we will consider what you would like to happen to your estate on death. However, this process isn’t just about passing on your assets; it’s also about protecting your wealth and analysing your finances now to make the most of your assets while you are still alive.

Inheritance Tax Planning and Estate Planning normally start with understanding your current estate and any potential inheritance tax that might be due, calculating how much you can afford to spend and assessing whether you can leave a legacy or make gifts during your lifetime. We can achieve this clarity for you through a financial plan and cashflow modelling.

Please note: The Financial Conduct Authority does not regulate advice on taxation, Trusts, Estate Planning and lifetime cash flow modelling.

Generational planning

Generational planning involves taking the necessary steps to facilitate a smooth transfer of your wealth to your loved ones, in line with your financial plan.

When doing this we’ll look at how to structure your assets in a tax-efficient way and consider when is an opportune time for any transfer of wealth to take place to ensure that you can sustain your standard of living.

This process may involve introducing your beneficiaries to your Wealth Planner. Helping them in their financial planning journey will give them, and you, confidence that your legacy will be well looked after when you’re no longer around.

Protecting Wealth and Assets

Whether you have earned your wealth, inherited it, or made shrewd investments, you will want to ensure that as much as possible is enjoyed by you, your family, and your intended beneficiaries.

As part of our financial planning process, your Wealth Planner will help you plan how to best protect your wealth and assets. Some things that we will consider:

  • Maximising your assets,

  • Realising financial opportunities,

  • Sustaining your lifestyle,

  • Managing risks,

  • Planning for changes in circumstances,

  • Changing demands on your income in retirement,

  • Diversifying your portfolio


Trustee

As a Trustee, you take responsibility for managing the Trust assets for the benefit of the beneficiaries. There are various duties and obligations imposed on Trustees to ensure both Trust law and the terms of the trust deed are complied with.

An important area for Trustees is understanding the scope of the investment powers they hold and deciding how best to invest the Trust assets. Trustee investment duties include the suitability of the investment and the need for diversification. There is also a statutory duty to take ‘proper advice’ from someone qualified to provide it, both in advance of an investment decision and as part of the ongoing review.

Trustees can, at the expense of the trust assets, take professional advice, when required, to help with the financial planning of the trust.

Power of attorney

If you hold a power of attorney, you can make decisions on another person’s behalf. You are responsible for ensuring that any decisions made are in the donor’s best interests and to help them to make their own decisions as much as they can. The powers granted under a power of attorney can cover property and financial affairs or health and welfare.

Through careful planning we can provide visibility, helping you to understand how much they can afford to spend each year, with the aim of ensuring they do not run out of money. As part of this, you may need to make decisions on investments, pensions and tax planning, taking into consideration potential future care costs.

Plan for Success

We take a structured, five-step approach to financial planning, that is individually tailored to your current circumstances and aspirations for the future.

Learn more about Plan for Success

Book a meeting

It’s a great way to get your questions answered and find out if financial planning is for you. Initially it is just a chance for us to get to know each other and understand better if our services can help you.

To book an initial meeting with your local Wealth Planner, complete the form below and we’ll be in touch.

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