Wealth Management

The Wealth Management Service is a bespoke offering for individuals that require financial planning, investment management and an ongoing review service. Our aim is to help you plan, protect and prosper. We ensure your investments are tax efficient and, if required, help you pass on your wealth to the next generation. As part of our initial review we find out what is important to you and put a financial plan in place going forward.

There are no hidden charges and we put your aims and objectives at the forefront of every decision – we give you choice.

If relevant, we can work with your professional advisers, such as your solicitors and accountants, or we could introduce you to our trusted network of professionals to
provide an all-round service.

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The Benefits to You

Peace of Mind
Desired Lifestyle
Financially Organised
Remove Uncertainty

The Financial Planning Process

Stage 1 – Initial Meeting

We do not charge for the initial meeting. The purpose of this meeting is to establish if our services are appropriate for you and to explain our initial and ongoing fees. It also gives you an opportunity to meet us and ask any questions you may have.

Stage 2 – Getting Financially Organised

If a decision is made to proceed, we will carry out an extensive assessment of your personal and financial circumstances at the outset, to establish your financial planning requirements.

Stage 3 – Analysing and Evaluating your situation

Your Financial Planner will then analyse and evaluate the information received to formulate the advice required to address your goals and objectives. At this stage, we may get back to you prior to issuing the advice for discussion or for additional clarification.

Stage 4 – Develop and present the financial plan

The advice will then be provided to you in writing and presented to you by your adviser. When you receive our financial plan it will be your decision whether to implement our recommendations either completely or in part.

Stage 5 – Implement the financial planning recomendations

The implementation of our recommendations includes where appropriate:

  • Handling of all fund and policy administration on your behalf
  • Regular updates to keep you informed of progress
  • Ensure all your documents are issued in line with your expectations
  • Provide confirmation of all actions taken on your behalf in writing

Stage 6 – Ongoing review and monitoring of your investments

Your financial objectives may alter over time due to changes in your lifestyle or circumstances. We believe it is essential to ensure that your portfolio continues to meet your lifestyle and investment objectives. This will be provided if you have signed up to our ongoing service.

What is the cost for this service?

Our Wealth Management Service has a fixed initial cost for a comprehensive Financial Plan. For standard investments and pensions we then charge a % implementation fee if you would like to proceed with our investment advice.

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What This Service Could Include

Investment Management

In the good times when investments keep growing it might not seem so important to review your portfolio, but if you do not keep a check on your investments you may be in poor-performing funds, taking too much risk or paying too much in charges. Our Investment Management service may be what you are looking for.

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Financial Planning is an ongoing process to help you make smart decisions about money that can help you achieve your goals in life; it’s not just about buying products like a pension or an ISA.

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Our Retirement Planning Service is designed to help you answer questions such as:

  • Are my contributions to my current retirement schemes sufficient to provide the level of income that I require in retirement?
  • I have a number of different pensions, could I save costs by combining them to a new scheme?
  • Do I have the correct investment strategy taking into account my attitude to risk or the income target that I have set?
  • How much do I need to contribute so that I will have sufficient income once I retire?

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We have helped many clients put into place strategies to help pass their money down to their children or grandchildren in a tax-efficient way. We can advise you how to reduce the amount of inheritance tax payable on your death and help pass on more to your family.

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We can help business owners plan for the future, reduce corporation tax, purchase commercial property using pension funds, setup a workplace pension scheme and put a comprehensive plan in place when receiving company sale proceeds.

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