Wealth Management

The Wealth Management Service is our flagship service which combines investment management with financial planning. What is financial planning? That is a good question and you can find out more here.

Clients receiving this service will be provided suitable advice on their entire financial situation, e.g. retirement planning, financial protection, tax and estate planning and long-term care, etc.

Our aim with this service is simple, to help you plan, protect and prosper, ensuring your funds are within a tax-efficient environment and, if required, help you pass on your wealth to the next generation. Ongoing annual reviews will be face-to-face in a friendly environment.

As part of our financial planning process, we will find out what is important to you and your future aims and objectives. Some of the solutions we use can be difficult to fully understand but we try our best to explain them as simply as possible. There is no such thing as a bad question to ask us!

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.

There are no hidden exit charges and we put your aims and objectives at the forefront of every decision.

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The Benefits to You

Peace of Mind
Desired Lifestyle
Financially Organised
Remove Uncertainty

1 – Establish the Relationship

We will have an initial meeting to establish the relationship and discuss whether our services meet your needs, it also gives you an opportunity to ask questions. At this meeting we will explain our fees and client agreement. We do not charge you for the initial meeting.

2 – Discovery

 If you proceed to Discovery, we will ask you to sign our Client Agreement and provide proof of identity and address. We will gather information about your personal and financial situation and establish your goals and objectives. This will include:

  • Gathering of information, for example: your personal situation, assets / liabilities, income / expenditure, existing policies and any business interests.
  • Establishing and understanding your aims and objectives so we can provide suitable advice.
  • Understanding your investment experience, risk tolerance, capacity for loss and investment time horizon. This helps us to analyse your existing holdings or recommend a diversified portfolio that matches your risk profile.
  • We may ask you to sign letters of authority, which allows us to request information from your existing product providers.

 3 – Analyse and Evaluate

We will analyse the information gathered and assess whether you are on track to meet your aims and objectives. This could include a review of your existing policies and investments.

4 – Develop and Present

 We work with you to develop a financial plan and create a strategy that helps you meet your aims and objectives. We will present our recommendations, allowing you to ask any questions and make an informed decision. Our advice will also be provided to you in writing and includes:

  • Your financial plan and / or our recommendation(s).
  • An investment strategy that matches your risk tolerance, time horizon and capacity for loss.
  • An assessment of the suitability of your existing policies and investments.

5 – Implementation

 During this stage you can choose to implement our recommendation(s) in full or in part.

This could include:

  • Opening accounts on an investment platform and setting up the relevant tax wrappers.
  • Implementing the investment strategy.
  • Submitting and tracking applications, ensuring policy documents are issued correctly.
  • Providing confirmation of all completed action points in writing.
  • Setting up access to our online client portal.
  • Liaising with your professional connections, e.g. accountant and/or solicitor.

We will provide regular progress updates to keep you informed on the current progress.

6 – Ongoing Review and Management

 Your financial objectives are likely to change over time due to changes in your lifestyle or circumstances, our ongoing review service ensures initial advice provided remains suitable and any other financial planning needs are met.

Our ongoing review and management services offer:

  • Structured annual reviews to ensure advice remains suitable.
  • A dedicated adviser and support team.
  • A personalised service.
  • Access to our online client portal.
  • Ongoing support with correspondence and administration.

We recognise that clients do not have the same needs; therefore, we offer a range of services.

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 Advice

Crown Wealth Management invests money using highly diversified low-cost passive funds. Our investment philosophy is to buy and hold over the long term as research has shown that it is incredibly difficult to consistently time the markets.

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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 work with an existing trust or create a new one from scratch – it does not have to be complicated – we will still ensure it is suitable for you and the beneficiaries.

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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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