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Private Client Service

Our Private Client Services uses our unique Lifetime Financial Planning process designed to help you achieve your life goals.  Having a Lifetime Financial Plan provides both direction and meaning to your financial decision making, allows you to work out where you are now, what you might need in the future, and what you must do to reach your goals.

THE VALUE OF INDEPENDENCE

Family Protection

The foundation of good financial planning is having adequate resources to fall back on in times of need.  Establishing an emergency cash fund and filling any remaining gaps with life, critical illness and income protection insurances should ensure your family are well prepared to deal with unforseen events.

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Savings & Investments

By establishing regular savings habits you can begin to secure your financial future.  Low risk deposits are best suited to short-term savings needs, whereas  if you can afford to tie up your money for at least five years, it may be appropriate to consider investment options where your capital is at risk, but the potential returns are greater.  Our investment expertise, based on Nobel Prize winning research, can help to reduce these risks and maximise the possibility of achieving your goals.

INVESTING FOR GROWTH INVESTING FOR INCOME

Retirement Planning

Planning for retirement can be split into two distinct periods.  Pre-retirement planning focuses on accumulating and growing the value of your assets, whereas post-retirement generation of income becomes a priority.  With a bewildering array of investment vehicles to choose from, taking advice is key.

PRE RETIREMENT PLANNING POST RETIREMENT PLANNING

Long Term Care

One of the biggest concerns of retirees today is the financial drain of paying for long-term care.  With little help from the State, even for those with modest savings, and annual care costs averaging in excess of £28,500 p.a., careful planning is required to ensure a secure future.

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Inheritance Tax Planning

Having spent a lifetime accumulating wealth, it is only natural to want to pass this on to the next generation.  However if your estate is valued in excess of £325,000 (£650,000 for a married couple) the taxman will take a 40% share.  We can help arrange a variety of strategies to mitigate or reduce this loss, ensuring more of your wealth is passed on.

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THE LIFETIME FINANCIAL PLANNING PROCESS

Our proven six stage financial planning process is cyclical and dynamic.  Whilst the ultimate aim of the process is the achievement of your lifestyle goals, experience shows that there are many other positive outcomes, these typically include:

- A greater understanding of your financial position - knowing what is achievable and what is not.

- Greater peace of mind and a feeling of well-being knowing that your finances are in order.

- Freedom to enjoy life without worrying about the latest crisis in financial markets.

CASE STUDIES