Our Expertise
Wealth Management
Our Wealth Management Consultative Process is designed to enable you to understand your financial journey and help you achieve your financial goals and objectives, with clarity, confidence and freedom.
It encompasses all aspects of your finances and our team of specialists from various independent firms within our Wealth Management Network, is here to apply its knowledge at any stage of the consultative process.
Your Financial Plan is developed after discussion and careful consideration of :
- Your Financial Goals and Objectives.
- Your Tolerance to Risk.
- Your need for Investment Risk (if you don't need it, why take it?)
Inheritance Tax Planning
The imposition of Inheritance Tax by successive governments continues to underline the governments' desire to redistribute wealth on death.
Whilst once IHT was borne only by the extremely wealthy, now, partially due to the rapid rise in house prices, more and more people are finding that they may have an Inheritance Tax Liability on death.
Inheritance tax liabilities can be reduced in a number of ways, including efficient will planning and the use of investment-based strategies within various IHT mitigation schemes.
Risk Management
Risk Management and Protection are at the heart of sound financial planning for individuals and families.
Knowing that you and your loved ones can be financially secure in the event of serious illness or death can provide peace of mind at moderate cost.
We provide advice on life assurance, income protection and critical illness insurance. Our complete independence is crucial in allowing access to the entire insurance marketplace, so we can offer you the most suitable policy at the best price.
Many of these policies can be written in trust to ensure that funds are available as quickly as possible and with the minimum of taxation in the event of a claim.
Investment Management
We continually advise our clients on the investment and management of their wealth in a tax-efficient manner, using academically based Multi-Asset Portfolios.
We strongly believe that Academic research and empirical evidence both demonstrate that it is the long term, or Strategic Asset Allocation of a portfolio that determines the majority of a portfolio's return and risk.
By utilising Markowitz's Nobel Prize winning theory and capitalising on the benefits of Modern Portfolio Theory and Diversification, risk-adjusted returns can be increased.
Pensions & Retirement Planning
Retirement is a time to look forward to, and for many could add up to a quarter of their lifetime, therefore having the correct income provision during this time is paramount.
We offer advice across the full range of pension vehicles, and firmly believe a pension is long term savings vehicle with excellent taxation advantages.
Our independence enables us to advise on solutions from across the market place, from Personal Pensions to Self Invested Personal Pensions (SIPPs).
We welcome queries from clients with regard their options at retirement including secured and unsecured pension options, phased retirement, alternatively secured pensions and AVCs. We also offer advice on the implementation and management of group pension schemes.
We recommend the Financial Services Authority's pension calculator, as a useful tool to see how much income you might get when you retire, from what you save now or in the future.
It is available on their website at : http://www.moneymadeclear.fsa.gov.uk/tools/pension_calculator.html
