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:

  1. Help you to determine your goals and dreams, through our consultation meetings.
  2. Prioritise those goals in order of importance to you and your family or business.
  3. Complete thorough research to enable us to prepare a report, or reports, making considered recommendations taking your specific information into consideration.
  4. 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.

Individual Pensions

Our Pension Advisers cover the whole spectrum of advice from individual clients assessing their current portfolio, through to Directors, Executives and owners of businesses, corporate restructuring of group pension schemes and occupational pension transfers to flexible retirement options for clients.

Pensions are tax-efficient investments, which do require expert advice and regular annual reviews with your adviser to ensure that your objectives are being met.

People should review the performance of their pension funds regularly. Our Advisers can review fund performance and where appropriate move the funds to a more diverse portfolio with access to top-performing funds.

Personal Pension Plans

This is an individual pension plan set up with a provider independently of an employer and therefore one which you can take with you and continue making contributions regardless of your job movements and any changes in your career.

This makes this type of pension plan particularly useful for self-employed workers, or for people who move jobs regularly. Usually, most employers will offer to pay into your personal pension by way of matching whatever contribution you make up to a negotiated limit, or you may just have your own contributions going into the fund. In some cases, you may be able to pay a lump sum into the fund, and you will be able to increase or decrease your contributions in line with your earnings throughout your working life.

As with all pensions, any contribution you make will receive tax relief from HMRC. For example, if you were to make a contribution of £80, the HMRC will pay in an additional £20 for basic rate taxpayers. In the case of higher and additional rate taxpayers – they are able to reclaim further tax relief on top of this via their tax return.

HMRC sets limits to maximum tax relievable contributions that you can invest in any one tax year. You can receive tax relief on personal contributions up to £3,600 or 100% of your UK relevant earnings, whichever is the greater, subject to the maximum annual allowance which is £40,000 for the 2021/22 tax year.

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

Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

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

Contact us to find out more.

Savings and Investments

Savings
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.

Investments
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.

Mortgages

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.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME.  YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Contact us to find out more.

Protection

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.