Financial & Estate Planning

Financial planning should start as early in one’s life as possible.  A fundamental understanding that money is easy to spend and difficult to accumulate, is the base upon which any client’s wealth is managed.  Our clients vary between those in their early 20s just beginning their financial planning, right the way through to those in their 80s whose main concern tends to be for preserving their wealth for great-grandchildren who are just embarking on life’s journey.  Wherever you are on your journey, we would like to help you manage your finances along the way.

UK Inheritance Tax Planning

We have been advising clients on the most effective ways to mitigate UK inheritance tax (IHT) for more than 25 years. To have help in this area, we shall need a full and detailed account of a client’s asset and income position so we can provide a personalised and targeted (set of) solution(s).

Independent Financial Advice

We pride ourselves in being unbiased in the advice we give.  We align ourselves to no-one and we only recommend solutions, products, strategies, investments that we would embark upon ourselves, indeed in nearly all circumstances either we or a member of our family will have the self-same strategy or investment you have.  We act as your agent; if you don’t like what we propose to you, by all means ask us to make an alternative recommendation.

Portfolio Management

We manage client portfolios with an emphasis on capital preservation, so we start from the bottom, building a sound foundation to a client’s portfolio and working up the risk pyramid according to a client’s risk tolerance.  We take special care to understand what our client’s own view is of risk in order to ensure we are both coming from the same place.  Half-yearly meetings with you ensure we are on the same journey and provide the opportunity not only for reappraisal but also for changes in circumstances to be considered and the plan adapted if necessary.