Financial Planning
A Comprehensive Financial Plan
A financial plan is holistic. It considers all aspects of your personal circumstances, your priorities and financial position to identify the actions that need to be taken to meet your goals for the future.
Your plan may include saving to afford your children’s education; saving for retirement; estate planning and inheritance tax considerations; and/or protecting your family’s finances. What you do in one area will affect another.
Leveraging our expertise, we simplify your financial life - helping you decide how to invest your money to meet individual goals in a way that achieves real growth at a level of risk you are comfortable with.
Our Financial Planning Solution
Forecasting your finances
A visual demonstration of your financial plan, helping you to think about your financial future and what could happen should you choose to do things differently.
We use cashflow modelling to forecast your future finances - taking details of your current income and expenditure, along with your plans for the future, to answer questions around whether you can afford private education; are in a position to bring retirement forward or need to postpone it; the financial security of your family in the event of unexpected illness or death; whether you can afford to spend or give away more of what you hold; or if you will leave behind an inheritance tax bill.
Tax management
Making sure that you make the most of all the allowances available to you, helping to reduce your tax. We ensure that your financial plan is tailored to your personal tax situation to structure your finances as tax efficiently as possible.
Your investments
Investments are likely to form an important part of your financial plan. We work to ensure that your investment portfolio continues to reflect your wider financial goals. You can rest assured that your money is in experienced hands with services that are underpinned by a rigorous and disciplined investment process.
Reviewing your progress
As your priorities and circumstances change over time, your financial plan should also. We meet you at least annually for a formal review, but it is important that your plan is also reviewed whenever there is a big change in your life - for example, marriage, the arrival of a new child, or a change in your employment.
Guiding you through the unknown
All of us experience life-changing events at some point, whether personally or through a loved one. These might be divorce, a diagnosis of dementia in the family, or the need for long-term care. Often, difficult financial decisions with long-lasting consequences need to be made quickly. We can show you the implications of these decisions and help you to make them, ensuring that you find the right solution for you and your family.
Online access to your investments
We give you a real time view of all your finances in one place, via a personal finance portal which also allows for secure messaging with your adviser. This can be accessed 24/7, from any mobile or web device.
Investments Carry Risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. The Financial Conduct Authority does not regulate trusts and tax planning. Levels, bases of, and reliefs from, taxation may be subject to change and their value depends on the individual circumstances of the investor.