We firmly believe that a comprehensive understanding of all of your assets and income streams is essential to enable an accurate and meaningful answer to “how much do we really need to live the life we really want”
We seek an understanding of all of your pensions, investments, properties and income streams to ensure advice we provide has the highest probability of success and provides you with maximum value.
Our investment philosophy, based on decades of the finest global academic research, is matched to your own experiences and perception of risk, the level of risk you actually need to take to achieve your goals and crucially, your current and future financial capacity to ride out unexpected financial events.
We have considerable experience and specialist skills in helping families and individuals minimise their Inheritance Tax liability, thereby increasing what their chosen beneficiaries will ultimately inherit.
At the heart of any planning is a recognition and understanding that retaining your financial independence and ability to maintain your preferred lifestyle is absolutely paramount.
Additionally, we provide Trustee investment services to individuals and families for multi generational investment and tax planning.
We recognise that any advice we provide should be reviewed regularly to ensure that any subsequent changes in your own situation, changes in the investment world, tax or legislative changes are incorporated into your own plan and that you remain on track to live the life you really want.
Our interactive planning will always provide you with an accurate and realistic overall picture of your own financial situation.
We can show you how the effects of long term care cost can impact your financial plans and provide you with strategies to plan for this eventuality.
I want to thank you for your time, input and advice over the years over my pension and retirement. I enjoyed working with you and would not hesitate to recommend you and your services.
The recent Financial Conduct Authority’s (FCA) long awaited final report into the asset management industry reinforced the evidence that we’ve known for some time; 1. Investments funds should compete on price, but clearly, they don’t, as the net profit margin of most asset management firms is still extraordinarily high (36%). 2. Paying a high price […]Read more →
Last month, Vanguard, announced that it is to offer UK investors a lower cost investment Platform, in a direct challenge to the incumbent behemoth Hargreaves Lansdown (HL). The immediate reaction was an 8% fall in the latter’s share price, as speculators pondered the demise of another Active-promoting financial services provider. Completely co-incidentally, the firm announced […]Read more →
A recent survey* by Canada Life about inheritance tax (IHT) shows that wealthy Brits over the age of 45 are either ignoring estate planning solutions or they have forgotten about the benefits these can provide. Only 27% of those surveyed have taken financial advice on IHT planning despite all of them having a potential IHT […]Read more →
Back in August 2016, we encouraged you to watch a 12 part documentary featuring Robin Powell and Mark Hebner which included all of the key elements to become a better investor and less of a speculator. There is now an abridged and more succinct 16 minute version available (click on the image above) which still […]Read more →