Services

We advise on your entire wealth for your whole lifetime

Our holistic approach means that we would never look at a piece of advice in isolation, but instead work on understanding you so well that we can arrange your wealth to meet your life objectives.

However wealthy we are, we cannot stop time and how we spend it is crucial to our happiness. Given the option of designing the perfect life how would it differ from here onwards.

We will explore and clarify your aspirations in life. This will allow you to take a long, slow, deep breath and remind yourself that time is finite so that you can start living your life by design.

We will source information from your providers and yourself to capture a complete financial profile and build an interactive model of your projected wealth year by year.

We meet with you to interpret the model and agree a financial strategy to support your life plan. We detail this in a report which forms the cornerstone of your overall financial plan.

As part of our ongoing service we will provide regular reviews of your arrangements.

The investment advice we provide is tailored to your individual circumstances and priorities.

We will research and recommend the appropriate financial product that will meet your objectives including pensions, ISAs, investment accounts, investment bonds, structured deposits and specialist investments.

Once we have recommended an investment we will regularly review and monitor your plans. This includes

  • Reviewing your investments on a four weekly basis
  • Providing you with a regular investment bulletin
  • Completing fund switches as appropriate at no extra cost
  • Reviewing the ongoing suitability of your investments

We believe that our investment management approach over the last 16 years delivers a coherent strategy for providing consistently buoyant returns on your wealth whatever the economic environment, but it must be remembered that past performance is not a reliable indicator of future performance.

The value of investments and income from them may go down as well as up. You may not get back the original capital invested.

We will help you to establish insurance to protect you financially in the event  that you suffer a serious illness or die, to continue to allow you and your families objectives to be met.

If you are a business owner we will help you to establish insurance to protect your business in the event that you or your staff suffer a serious illness or die to continue to allow your business objectives to be met.

We offer products from a range of insurers based on a fair and personal analysis of the market for Life Assurance, Critical Illness Cover and Income Protection Insurance.

We can also help you establish Group protection schemes for your staff and private medical insurance.

Starting with a blank canvas we will help you plan your retirement tailored to your objectives.

We advise on the most tax-efficient options available for saving towards retirement as well as analysing your savings and outgoings to help you draw on your retirement savings safely after you have stopped work.

A pension is a long-term investment and the fund value may fluctuate and can go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

We will review this annually to check if you are on-track.

Whether you are looking to fund your children’s university costs, help them purchase a home or simply reduce your own inheritance tax, we will help you cascade your wealth to the next generation without undermining your own financial security.

There are a number of ways of giving money away and we will help you to navigate the potentially complex rules to find a strategy suitable for you.

We facilitate the cascading of wealth between family members by continuing any concessionary investment terms to the next generation.

Your individual tax treatment is based upon individual circumstances and may be subject to change in the future. The Financial Conduct Authority does not regulate generic inheritance tax planning.

If you would like to find out more about our services and costs, you can find further information in the Literature area of our website.