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Wealth Management

Investment Management

We specialise in providing investment solutions that are tailored to individual client needs.

Our core service is discretionary investment management. With our discretionary service our clients trust us to use our expertise and knowledge of their situation to manage their portfolio for them. At onset we establish their long-term goals and then construct a personalised investment policy statement (IPS). This document explains in simple terms the agreed mandate we will manage on the client’s behalf. This includes time horizon, risk profile, investment objective and any investment restrictions or preferences. This document is reviewed on an ongoing basis to ensure the mandate remains suitable.

We meet with our clients as regularly as they require, normally at least once a year. Our clients tend to prefer face to face meetings due to the importance of the assets we manage for them. We produce formal investment reports on a quarterly basis and 24-hour reporting access is available via our online portal.

Financial Planning

Our friendly, expert financial advisers are here to help.

We offer a wide range of products and services for both personal and corporate clients, which are designed to maximise your ability to achieve financial planning success.

Together we will build a comprehensive financial plan: be it safeguarding your family’s future, investing to fund your financial aspirations, understanding your inheritance tax situation or preparing for retirement – it all begins with a plan tailored to suit your needs.

Learn About Cash Flow Planning

Here are some of our top tips to help you plan for the future you want for yourself and your loved ones.

Are you ready to take control of your financial future?

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Consider a cash flow plan

This brings together all of your assets, income and expenditure in one place and acts like a personal balance sheet, helping with your wealth planning.

Cash Flow Planning

Invest in your ISAs

ISAs protect savers from Income and Capital Gains Tax on the underlying investments. This year’s ISA allowance is £20,000, so if you have any surplus income you might want to consider maximising your savings into an ISA.

Prioritise your pension

The earlier you start planning, the easier it will potentially be to meet those lifetime objectives and create the lifestyle you want. If you are enrolled in a workplace pension scheme, you might want to consider enquiring into the maximum amount your employer will contribute on your behalf and consider raising your own contributions if there is scope for the company to raise theirs.

Split your investments with your partner

If there is an unequal division of income married couples or civil partners might want to consider equalising assets and/or maximising each person’s personal tax allowances.

Gifts to children

Different options are available when saving for children, you could consider a Junior ISA (which offers tax-free income and growth) or establish a pension for your children which provides immediate income tax relief on the contribution and tax-free income and growth for the future.

Lifetime gifts

Once you are comfortable that you have sufficient capital and income for your chosen lifestyle, consider outright gifts which can be effective for inheritance tax planning.

Make time for Trusts

Trusts can be complex and costly but they don’t have to be. They are suitable for a number of scenarios. For example, a grandparent might consider using a bare trust to gift money to minor grandchildren which can be used to pay school fees. The advantage of using a bare trust in this way is that the money inside the trust is treated as belonging to the child for tax purposes, allowing them to make use of their personal tax allowances and exemptions which may otherwise go unused.

Life assurance

An insurance policy written in trust can help provide your beneficiaries with money to pay any inheritance tax bill. This could avoid your executors having to liquidate assets, like property or investments, in your estate.

Family investment

Following the sale of a business, you may wish to consider establishing a Family Investment Company (FIC). A FIC is a private investment company whose shareholders are ordinarily family members. The company’s articles of association and memorandum are drafted to fit the needs of the family. The FIC offers certain tax advantages and can be used to pass wealth tax efficiently to the next generation whilst at the same time safeguarding family assets.
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