Home > Our Services > Financial Planning

Our Financial Planning Services

As well as managing your investments, we can advise you on all aspects of your financial circumstances.

Services we offer range from an overall review of your financial affairs (including a review of existing investments for new clients) to retirement planning, inheritance planning, tax planning and arranging insurance policies. We try to give the type of advice we would want to receive ourselves if we were not financial professionals, and avoid jargon as much as possible.

Financial Reviews

While ongoing reviews of your investment portfolio fall under the remit of investment management, we are also able to provide a comprehensive review of all your financial affairs if required.

This service tends to be of most use to new clients or to existing clients who are going through a significant change in their financial circumstances (such as retirement).

The service includes a detailed report on your current financial circumstances and recommendations on any changes that could help optimise them.

Retirement Planning

Making provision for your retirement is one of the most important parts of anyone’s financial planning. How are you going to provide enough income for yourself when you finish working?

There are many ways to save and invest for the long term, but none offers the same tax benefits as a pension fund. However, these tax benefits alone are not enough – it is essential that funds placed in pensions are invested effectively.  Our knowledge of pensions and our investment expertise make a powerful combination.

Inheritance Planning

Inheritance tax used to be an issue only for the very wealthy. However, thanks to the spectacular rise in property values over the last two decades, many more people have assets valued in excess of the threshold for inheritance tax.

There are many ways in which the potential cost can be reduced – for example, by the use of trust provisions in wills, life assurance and lifetime gifts if appropriate.  However, most people would like to do this without reducing the income they receive from their assets.

We have extensive knowledge and qualifications to advise on the various ways to manage inheritance effectively.

Tax Planning

We offer both a tax return and capital gains tax service for clients that require it. Please contact us for more details.