Wealth management
Give your wealth a clear purpose. We bring your investments together around your goals and the life you want to lead.
What’s included
- Tailored investment portfolio construction
- Risk profiling and asset allocation
- Regular portfolio reviews and rebalancing through an agreed ongoing service
- ISA, General Investment Account (GIA) and pension investment wrappers
- Access to advisory investments and discretionary investment management services where suitable
- Cashflow modelling and financial forecasting
- Liquidity and cash management
We provide restricted investment advice from a selected panel. Discretionary management is delivered by an appropriately authorised investment manager where recommended.
Investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on your circumstances and may change.
Pension & retirement planning
Make your next chapter feel more considered. We help you understand your pensions and how they could support your future income.
What’s included
- Personal and workplace pension reviews
- Self-Invested Personal Pension (SIPP) advice
- Defined contribution pension consolidation and transfer advice
- Pension drawdown and annuity strategies
- Tax-free lump sum allowance planning and review of existing protections
- Retirement income planning and cashflow modelling
This service covers defined contribution pensions. Defined benefit transfer advice is specialist advice outside the scope described here.
Investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on your circumstances and may change. Pension transfers are not automatically suitable. Consolidation can mean losing valuable benefits.
Financial planning
Bring the pieces into one clear picture. A personal plan connects what matters today with the future you are working towards.
What’s included
- Comprehensive financial health check
- Cashflow modelling and lifetime financial forecasting
- Goal-based financial planning
- Tax-efficient savings and investment strategies
- Education funding planning
- Regular plan reviews and progress updates through an agreed ongoing service
- Co-ordination with your other professional advisers
Investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on your circumstances and may change. Forecasts are illustrative and do not guarantee an outcome.
Protection
Help protect the life you have built. We consider how your household could manage financially if illness or bereavement changed your plans.
What’s included
- Life insurance and family protection
- Critical illness cover
- Income protection
- Mortgage and other financial commitment protection
- Family income benefit
- Review of existing policies and potential gaps
- Trust options for suitable life policies with specialist legal advice where needed
Cover is subject to eligibility and underwriting. Policy terms, exclusions and limits apply.
Corporate services
A stronger business starts with planning for its people and its future. We help owners and employers consider continuity and meaningful staff benefits.
What’s included
- Workplace pension scheme set-up and review
- Relevant life cover for eligible directors and employees
- Group life assurance, including death in service benefits
- Private medical insurance and healthcare benefits
- Group income protection and insured staff sick pay arrangements
- Key person protection for people critical to your business
- Shareholder and business ownership protection planning
- Co-ordination with accountants and solicitors where appropriate
Recommendations depend on your business, eligibility and the providers available within our advice scope. Employer duties, legal agreements and specialist tax matters may require separate professional advice.
Insurance benefits depend on underwriting and policy terms. Tax treatment depends on circumstances and may change.
IHT & estate planning
Consider the legacy you want to leave while keeping your own needs in view. We help you understand how your wealth could pass to the people who matter.
What’s included
- Review of your estate and potential inheritance tax exposure
- Planning around available allowances and exemptions
- Lifetime gifting strategies and affordability reviews
- Trust-based planning where suitable
- Life assurance to help meet a potential inheritance tax liability
- Pension death benefits and beneficiary nomination reviews
- Co-ordination with solicitors on wills and lasting powers of attorney
For deaths on or after 6 April 2027 most unused pension funds and pension death benefits will be included in the estate for inheritance tax. Exemptions and exclusions apply. Legal documents and specialist tax advice are handled by appropriately qualified professionals.
Tax treatment depends on individual circumstances and may change. Tax and estate planning are not regulated by the Financial Conduct Authority.
