Financial Planning

We are dedicated to supporting our clients in the creation, preservation, protection, and growth of their wealth.

Our Financial planning process

Introduction and Discovery

Your financial planning journey begins with a warm welcome and an opportunity to build a strong adviser client relationship. This initial meeting allows your adviser to gain an early understanding of your background, while giving you a clear overview of the journey ahead.

Understanding Your Circumstances

In this fact-finding stage, your adviser will explore your financial situation, personal goals, aspirations, and attitude to risk. This comprehensive insight forms the foundation for a tailored financial plan that aligns with where you are today and where you want to be in the future.

Defining Priorities and Objectives

With a clear picture of your needs and aspirations, your adviser will outline how we can support you and identify potential areas for action. Together, you’ll agree on a prioritised agenda, setting the stage for your next meeting, which will focus on our detailed recommendations.

Presenting Our Recommendations

Your adviser will present a suite of fully costed, bespoke recommendations designed to help you achieve your objectives. Developed in collaboration with our in-house specialists and researchers, this financial framework reflects our commitment to delivering meaningful value.

Putting Plans into Action

Once you’re ready, we’ll proceed with implementing your financial plan. Your adviser will oversee the process, ensuring everything is handled efficiently and transparently. You’ll receive regular, easy-to-understand updates.

Ongoing Monitoring and Review

We provide regular annual reviews for our advised clients to ensure your plans and investments remain aligned with your goals. These reviews offer valuable insight into performance and provide an opportunity to make adjustments if needed, helping to keep your financial future firmly on track.

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Areas of specialism

Retirement Planning

Whether you're building your retirement savings or considering how best to access your funds when the time comes, navigating the options can be complex. Sound, personalised advice is essential to ensure long-term financial security.

Investment Accumulation and Protection

Growing your wealth is only part of the equation-preserving it is equally important. Whether you’ve received an inheritance, sold a business, experienced an unexpected windfall, or are reviewing an existing portfolio, we offer a strategic approach to help protect and enhance your capital.

Inheritance Tax Planning

Inheritance tax is one of the few taxes that can be legitimately mitigated through proper planning. Surprisingly, many individuals still don’t have a will in place. We guide clients through the essential steps to ensure their estates are structured efficiently, helping reduce potential tax liabilities with thoughtful, practical planning.

School Fees Planning

For many families, private education is a key priority that often involves significant financial commitment. We provide tailored advice to help you plan effectively for school fees, offering strategies to meet these costs in a manageable and tax efficient way.

Protection Planning

If you have financial responsibilities, such as a mortgage, dependants, or ongoing commitments-ensuring adequate protection is vital. We provide expert advice on a full range of solutions, including life insurance, critical illness cover, income protection, and whole-of-life policies.

Philanthropy

Many of our clients are passionate about giving back-whether through financial contributions or dedicating time to causes they care about. We help you structure charitable giving effectively, from one off donations to establishing your own foundation, with a focus on maximising impact and tax efficiency.

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