Services
Growth and protection
We’ll work with you to safeguard your capital against erosion from inflation and tax.
If you already have investments in place, we’ll determine if they are still suitable for your current circumstances, and whether they offer good value for money. If any adjustments would be beneficial to you, we’ll propose alternatives and back up our recommendations with clear explanations.
This is all part of our comprehensive service.
Growth and protection
Tax efficiency
A reliable way to maintain your investments is to structure your assets in a way that ensures you pay the lowest amount of tax possible.
We can identify tax breaks and reliefs you’re entitled to use to make your portfolio as tax efficient as possible.
Growth and protection
Investment strategies
Your investment strategy will be built with utmost care and attention from our Planners and Investment Managers.
Understanding your aspirations for the future helps our Planners shape your investment strategy, considering your immediate plans alongside those which are many years away. They also take account of other events which make sense to plan for, such as property purchase, school fees, the time when you stop working, and long-term care.
At every point, they’ll examine what level of risk you are comfortable with, adjusting plans accordingly if your feelings change and your situation changes and evolves.
There may be points you know you’ll need access to your money. By including these in your plan, your Planner can allow for timed investments that release cash as and when you need it. But not everything in life is predictable. If something unexpected occurs, your Planner can revise the strategy and provide clear advice in light of unforeseen events. As a trusted adviser, your Planner will always be ready to respond.
Growth and protection
Asset allocation
When deciding where your capital should be invested, we think it’s important to combine different asset types to balance risk and return factors, all within the level of risk you’re comfortable with.
We’ll explore and consider all possible asset classes, discussing the ones that are appropriate for your objectives. We’ll then create a personal strategic risk allocation. In the years that follow, we’ll review this as your circumstances change. This will help to ensure the elements are still appropriate for you and your financial plans and your investments are working optimally.
Growth and protection
Inheritance Tax planning
Inheritance Tax (IHT) needs to be carefully planned so that it doesn’t become a burden for those who inherit assets after the death of a loved one. It’s an area that’s complex, and one in which legislation can change frequently, requiring a regular review of your strategy.
Ensuring you have a clear and up-to-date IHT plan is a critical part of our financial planning.
Growth and protection
Planning for retirement
As you approach retirement, there are new financial considerations to think about.
We’ll provide advice that helps you make the most tax efficient contributions to your retirement funds, consider the income and cash flow needs you’ll have when you stop working and make sure your pension and investments are structured in a way to meet those needs.
Growth and protection
Specialist investments
For clients who are in a position to consider specialist investments, we can advise you on the advantages and disadvantages. These could include Venture Capital Trusts (VCT), Enterprise Investment Schemes (EIS) and Seed Enterprise Investment Schemes (SEIS).
