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.
What you need to know about looking for a care home Funding and sourcing Long Term Care is becoming a major concern not just for those about to require Long Term Care and navigating the pitfalls of the State system, but also for children forced into sourcing what they hope will be suitable care for […]Read more →
Here’s one final word on the recent volatility in Global stock markets. As always, Carl Richards put this into context with one of his graphics and a few words… Normal Can Feel Scary… Imagine being in a boat in the ocean on a very still day. No wind. No swell. The water is as flat […]Read more →
There’s no doubt hyperbolic headlines depicting the recent falls on the world’s financial markets are potentially anxiety-inducing. With the FTSE 100 Index falling to its lowest level since April 2017, the effect of the headlines is to promote a sense of uneasiness; we’re here to remind you that this shouldn’t be the case. Instead of […]Read more →
It is often said that Inheritance Tax is an avoidable tax, but many of us somehow fail to avoid it. Why is this? In our experience, clients’ failure to plan effectively is a result of the following perceived problems: Speed – How often will the thought of having to survive 7 years from the date […]Read more →