Key Services

Establishment of Personal Insurance Policies

We establish insurance policies to help safeguard your financial well-being and protect your loved ones, including term assurance, whole of life cover, critical illness cover, and income protection.

Review of Existing Policies

We can conduct an in-depth review of your current insurance policies to help ensure you have the most appropriate cover, offering valuable insights and recommendations.

Evaluation of Existing Arrangements

We conduct a comprehensive analysis of your current arrangements, in line with your individual needs and objectives. We will take into consideration factors such as charges, performance, risk levels, and fund options.

Making the Most of Your Allowances

We specialise in optimising tax efficiency across a wide range of tax wrappers, including pensions, ISAs, offshore bonds, taxable portfolios, and more. By carefully assessing the advantages of each, we can help you minimise tax liabilities and maximise investment potential.

Consolidate Your Paid-Up Pensions

Where possible, we can simplify your pension portfolio by consolidating your paid-up pension, allowing you to streamline the management of your portfolio.

Professional Pension Contribution Advice

We can deliver tailored advice on pension contributions, including accurate carry-forward calculations, to help you make informed decisions and maximise your retirement savings.

Customised Investment Strategies

Experience the benefits of a personalised investment plan designed entirely for you. Our team will create a tailored investment strategy aligned with your financial goals and risk preferences.

Ongoing Support

Building wealth involves careful planning and consideration, and we are here to offer ongoing support to ensure you make informed decisions at every stage.

Evaluation of Existing Arrangements

We conduct a comprehensive analysis of your current arrangements, in line with your individual needs and objectives. We will take into consideration factors such as charges, performance, risk levels, and fund options.

Generating Tax-Efficient Retirement Income

We focus on generating tax-efficient income that aligns with your retirement needs, employing strategies to maximise your retirement income and ensuring you make the most of your resources.

Making the Most of Your Allowances

We specialise in optimising tax efficiency across a wide range of tax wrappers, including pensions, ISAs, offshore bonds, taxable portfolios, and more. By carefully assessing the advantages of each, we can help you minimise tax liabilities and maximise investment potential.

Comprehensive Intergenerational Planning

Working with you to secure your family’s financial well-being, we can help ensure a smooth transition of wealth to the next generation. Our services encompass planning for death benefits and intergenerational wealth transfer.

Ongoing Support

Retirement planning can be complex, so we offer clear and practical advice throughout the decumulation phase, helping you navigate retirement with confidence and peace of mind.

Building an Investment Strategy

Based on your needs and objectives we will conduct research and analysis to build you a suitable investment strategy. We will take into consideration your time horizon, appetite for risk, tax position and any investment preferences you make have e.g., environmental, social, governance (ESG) criteria or ethical restrictions.

Once this has been identified we carry out research to determine the investment fund or portfolio of funds. This is based on creating a diversified asset allocation which is linked to your attitude to risk using our guide to preferred asset allocations for each risk profile.

The range of funds we select from are:

  • Discretionary Fund Managers: these are professionals who manage investment portfolios on your behalf. They offer two services: Discretionary Portfolio Service and Managed Portfolio Service. We have established valuable relationships with a range of DFMs, granting us access to exclusive partnership rates so that you can enjoy reduced portfolio costs. This enables us to deliver enhanced value and cost-efficiency, ultimately helping to benefit your investment outcomes.
  • Smoothed funds: these funds aim to provide stable returns by smoothing out the fluctuations in the market. They help reduce the impact of short-term market volatility on your investments.
  • Multi-asset funds: these funds invest in a combination of different asset classes, such as stocks, bonds, and cash. They may also be risk targeted or managed funds or portfolios, meaning they are designed to match specific risk levels.
  • Whole of market funds: we consider a wide range of funds, both active and passive (also known as index funds), depending on what suits your needs. Active funds are managed by investment professionals who aim to outperform the market, while passive funds aim to match the performance of a specific market index.

We will only recommend an investment strategy which is the most suitable fit for your specific requirements, helping to ensure  the utmost benefit. We will also work closely with you to effectively implement your investment strategy.

Ongoing Monitoring

Your financial objectives will change over time due to adjustments in your lifestyle or circumstances. We offer ongoing support, which allows us to critically review and evaluate your investment strategy to ensure its continuing suitability.

Now that things begin to settle down for another year, may I take this opportunity to thank you most sincerely for all your help and guidance to date. You have shown total professionalism and great knowledge at all times, and great patience for the odd daft question. Could not have dealt with all the processes without your hard work, support, and dedication. All very much appreciated. I am delighted to have you as my adviser, thanks again.

— Ken