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Private Clients

Planning your finances effectively can be difficult and time-consuming. There are many factors to be taken into account and many variables that are outside of your control. “Financial Planning”, therefore is more of an art than a science. There are very few ‘hard and fast’ rules as to the right strategy to adopt and the final decision is often down to your dreams, goals, attitude and beliefs rather than a strict formula.

Our objectives are to:

  • Help you to determine your goals and dreams, through our consultation meetings.

  • Prioritise those goals in order of importance to you and your family or business.

  • Complete thorough research to enable us to prepare a report, or reports, making considered recommendations taking your specific information into consideration.

  • Discuss our recommendations and implement once you are happy with them.

Dependent upon your situation this whole process can be completed in a matter of days, or in some cases, completed in stages over a number of years.

As importantly, your affairs need to be regularly monitored and reviewed to ensure suitability is maintained. Very often private and corporate clients that we meet have bought various financial products or made financial decisions over a number of years that at the time seemed suitable and appropriate. In hindsight, those decisions are not always the best option for the situation today. The important thing to be aware of is the overall financial strategy that you are intending to follow. Flexibility and regular reviews will ensure that you remain on course, despite the inevitable changes over time to your personal or business circumstances.

Tax treatment is based on individual circumstances and may be subject to change in the future.

Tax Planning is not regulated by the Financial Conduct Authority.

Wealth Management Service

Our Wealth Management Service is a service that proactively manages Investor’s money, using an Asset Allocation process and accessing top-performing funds worldwide through a modern platform. We start working with you on how much you can afford to invest or save. We then ascertain your attitude to risk and capacity for loss. These allow us to build an asset allocation model, which fits your needs whether these are for Pensions, Investments, Savings or ISA’s.

We run 10 different portfolios to match your risk profile from 1 to 10, where level 1 is the safest (100% in cash) and level 10 is the highest risk (100% in Equities).  Each portfolio is based upon a specialist Asset Allocation process across the 4 asset classes – Cash, Fixed Interest, Property and Equities. The equities are then broken down around the world markets as suggested by Dynamic Planner.  Dynamic Planner is a global leader in understanding and modelling financial market risk and building successful investment portfolios.

We use modern platforms that give us access to thousands of funds and each client’s portfolio would typically hold between 20 and 35 funds. These funds are proactively reviewed throughout the year with a view to keeping the best performing and strongest funds in each sector.

You will receive regular valuations and performance reports as well as our recommendations for action or any changes we recommend. We will also carry out an annual review with you to ensure the plans are kept in line with your current circumstances and requirements and you are making the most of the tax efficiencies allowed within ISA’s and Pensions.

The benefits of the Wealth Management Service are:

  • Institutional level of global asset allocation expertise

  • Access to a large number of top-performing funds via a platform

  • Proactive switching recommendations and re-balancing of your portfolio

  • Regular updates

  • Online access to check portfolios when required

  • Free switches between funds via the platform

  • The portfolio is built on up to date asset allocation and the asset allocations are reviewed frequently

The Wealth Management Service may not be suitable for all customers and an individual review will determine this.

The value of investments and income from them may go down. You may not get back the original amount invested. Past performance is not a reliable indicator of future performance.

Contact us to find out more.

Savings and Investments


There are lots of options for regular savings; our Advisers use the most up-to-date software to analyse what is available in the marketplace to Independent Financial Advisers and construct a savings portfolio to meet the clients needs for short, medium and long term goals.


Creating wealth for our clients is part of our company vision. We provide an expert integrated service across all investment fund managers and products within the marketplace. We utilise asset allocation tools to ensure that we effectively assess the risk profile of each individual client to meet their short, medium and long term wealth creation objectives.

By seeking quality advice clients can be moved from poor-performing Unit Trusts, OEICS or Investment Trusts into a diverse investment portfolio backed by specialist research and advice.

The value of investments and income from them may fluctuate and could go down. You may not get back the original amount invested.

Contact us to find out more.


Peace of mind with Independent Mortgage Advice – when buying and selling a property everyone is different, we all have different needs, different aims and are in different situations. However, we all have one thing in common – we lead busy lives and want professional, hassle-free advice and a solution that suits us.

Our Independent Mortgage Advisers use sophisticated IT systems and industry experience to find the most appropriate mortgage for their clients.


Contact us to find out more.


Our advisers will work with you to undertake a full financial review of your protection needs and requirements, taking into account your circumstances and objectives. Our objective is to listen and gain a comprehensive understanding of what you want to achieve before we produce a detailed analysis for you, utilising IT systems that are updated daily with the latest products and rates, to ensure that we deliver quality products and value for our clients.

Life Assurance can also lead to Inheritance Tax and other problems so the effective use of Trusts is a crucial part of any Financial Planning. Our advisers will discuss with you the effective use of Trusts for your own situation.

The Financial Conduct Authority does not regulate Inheritance Tax Planning and Trust Advice.

Protection plans with no investment element will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained then cover will lapse.

Contact us to find out more.

Create Financial Management
Address: York House, Stephensons Way,
Wyvern Business Park, Derby, DE21 6LY
Phone: 01332 548 100

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