Our Services

Generally we are asked to advise on:

• Accumulating wealth.
• Preserving value.
• Generating income.

We have three broad elements to our services – Investment Planning, Estate Planning and Pension Planning. Our advice is based on maintaining and enhancing personal wealth, whether in Pension funds for retirement, ISA/PEP portfolio or other accumulated savings; or family/inherited wealth.

Investment planning is about creating, maintaining and reviewing an appropriate portfolio to achieve a financial goal, usually subject to other criteria such as Investment Risk, Taxation, Capital Access, etc.

It involves analysis of asset allocation, risk profile, tax efficiency and income or growth potential. It could be a portfolio ranging from Cash deposits through Unit and Investment Trusts, Investment Bonds to significant shareholdings. The portfolio might be held in different types of ‘tax wrapper’; - ISA, PEP or offshore funds. Some assets may be held within a formal trust for other beneficiaries.

Estate Planning may need us to consider other non investment issues –

• Who is to ultimately benefit and when?
• How should your will be drafted?
• What are the tax implications of different arrangements?
• What form of trust would be advisable?

Pension Planning might require a review of different pension arrangements built up under different rules. Rather than pure investment analysis, we would need to review what rules applied to the different schemes and how to maximise the benefits from each. Potentially how to protect an entitlement to large tax free cash, for instance.

All of these factors clearly vary from case to case, but the most important variable that we take account of is often the hardest to pin down precisely – individual circumstances, aims & objectives. The major value in our service is aligning our clients’ investments and finances with their circumstances and goals – then maintaining them as circumstances (and goals) change.