Our Wealth Management service is designed to establish a Financial Plan, with emphasis on creating and preserving wealth, unique to each client.

The range of products available on our online WRAP
platform includes: Collective Investments (Unit Trusts,
OEICS and Investment Trusts), ISA’s, Onshore and
Offshore Bonds, Pension Schemes.

In addition, where appropriate, we can provide clients
with access to a wide range of ‘alternative investments’
including: Hedge Funds, Unregulated Collective
Investment Schemes and Exchange Traded Funds.

By placing equal emphasis on protecting wealth as well
as creating it, we also provide advice on protecting
against the impact of long term illness or incapacity,
as well as life assurance products to protect a family
in the event of death. An Inheritance Tax review is
aimed at ensuring clients are aware of the options
available to distribute their estates tax efficiently upon
death, as well as outlining solutions to reduce their
exposure to Inheritance Tax during their lifetime.
Similarly we offer advice on a range of Trusts as well
as other Wealth Transfer strategies. Employee Benefit
Schemes are also an important means of enabling an
employer to attract and retain high quality personnel so
we provide advice on Group pension, private medical,
life assurance, dental and permanent health insurance
schemes.

Financial Planning is the process of meeting your life
goals through proper management of your finances,
and thus by talking through your objectives, assessing
your tolerance to risk and discussing the potential effect
of external influences (such as interest rates etc), we
implement a bespoke plan for our client that is reviewed, tailored and monitored on an ongoing basis.

A new client who owns an extremely successful business described how he intended to retire at an early age and enjoy a jet set lifestyle which he felt was achievable through the sale of his business.

Initial estimates, calculated through valuations of similar businesses projected forward to his intended retirement date, showed the income stream realised solely from the sale of his business would not enable him to lead his dream lifestyle into retirement for long.

The thought of not having the money to live his dream life in retirement had not crossed our client’s mind so we set about deciding how we were going to achieve it for him. Possibilities included spending less now, spending less in retirement, retiring later, increasing the value of the business or looking for alternative and additional income streams.

The client did not wish to give up the lifestyle that he had envisaged for himself and his family by either spending less now or in retirement, so instead we utilised the client’s skills and experience to invest in other areas to produce additional income streams.

We performed a complete review of the client’s income and outgoings, assets and liabilities, initially focusing on the areas directly in the control of our client, reducing any unnecessary drainage on his income, for example by reducing payments made on debt by re-mortgaging, reducing insurance costs and credit card payments.

This review then focused on tax inefficiencies such as utilising annual allowances, husband and wife transfers and if required, more complicated tax schemes. The excess income the review generated was redirected into different types of additional investments.

We produced a revised financial model, incorporated his original business with the additional investments and assets now in his portfolio, and were able to bridge the expectation and reality gap that had existed. I am delighted that the client will now be able to enjoy the jet set lifestyle well into his old age.