You’re in control
We work collaboratively with you to develop a robust, bespoke financial structure. We want to ensure that you are in control of your own financial plan, feel empowered, and have a very clear vision of the shape of your future. Throughout the process, we will be there to support, reassure and offer our expert guidance, to ensure you remain on the path that has been set.
Life + Wealth Planning
We work closely with you to establish meaningful goals, empower you to define financial success in your own terms and help you to achieve what’s most important for your life.
Our service comprises of two distinct elements – firstly we will meet with you to listen, structure and implement your personal financial plan. Then once established, we will provide you with ongoing support where we review, with you, the progress of your plan to ensure you are ‘on track’, recommending any necessary changes or additional planning that you may require.
During both the initial, and ongoing parts of the process we will consider investments, pensions, protection and of course tax planning. These will be incorporated into one overall plan, to ensure that your financial affairs are working as efficiently as possible and are aligned with your long-term goals.
Download our Hidden Value of Financial Planning and Life + Weath Planning Brochures below.
The Process
CHAT
This is the first critical part of the journey and is a relaxed introduction. We’ll get to know you, and you’ll get to know us. This can be at our offices, a web call or on the phone. If you come to us, we will insist on providing the refreshments; tea, coffee or anything you want. At the end of our chat we’ll agree a way forward and how best to collate all of your financial information.
PROPOSE
Once we have gathered all of the information we require, we will start to formalise your plan. Once completed you’ll be invited to meet again to run through the plan, and discuss any amendments. It is an important decision and we’ll give you as much time as you want to consider your plans. We want you to be totally comfortable, before moving forward; after all it’s your plan!
MAKE IT HAPPEN
When you’re ready to proceed, we will arrange a further meeting, to discuss any final alterations, and to proceed with the implementation of your plan. We will then make sure your plan becomes a reality, and keep you informed of our progress.
EVALUATE + EVOLVE
Of course, it doesn’t stop there. We’ll be your ‘go to’ for anything financial related. We’ll continue to keep you updated with any relevant changes that may have an impact on your plan. We’ll also meet at least once a year to evaluate your plan, ensure that you remain on track, and that the plan continues to evolve with you in the ever-changing financial landscape.
Our services
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Wealth Enhancement
Ensuring your assets are well structured with a defined strategy, and in the most tax efficient way possible form the foundations of a robust financial planning strategy.
We will work with you, to develop a strategy and make sure that we fully understand your risk tolerance and the strategy is aligned with your attitude to investment risk. You may hold many different asset types in the form of pension funds, ISAs, property and general investments, but may not feel in control of the overall structure, or have a strategy, and that’s fine, we will help bring clarity so that at the end of the process you will feel in control.
Of course, it doesn’t end there because we will review your strategy with you on a regular basis to ensure that you remain on track.
Wealth Transfer
Having worked hard all of your life enhancing the value of your assets, you then want to ensure your wealth is transferred to your chosen beneficiaries in the most tax efficient way possible.
Inheritance Tax is a penal tax, with estates above the allowance taxed at a flat rate of 40%. This tax is often described as voluntary tax, because with a carefully structured plan it is possible to reduce your potential liability substantially.
We can structure a tax planning strategy that is aligned with your overall financial plan, and one that continues to ensure you can achieve your personal and financial objectives.
Wealth Protection
During your various life stages, you may have a need to protect assets, liabilities or income to make sure that your overall financial planning strategy remains on track. This could be to protect a mortgage, loan or even tax liability or anything that could have a negative impact on the value of your wealth and income.
We consider all aspects of protection so that in the unfortunate event of premature death or illness, you have the peace of mind of knowing you have put in place the cover that is required to keep you on track.
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Business Planning
Income structure, retirement planning, business protection and an exit strategy are just many of the challenges faced by business owners.
We work with sole traders, partnerships and limited companies to ensure owners have a clear strategy to maximise the value of the business and the income structure is as tax efficient as possible.
Professional Partners
We recognise that many will already have a relationship with other professionals, for example an accountant or solicitor and we will of course work with them to ensure all are aligned and are working towards the same end goal.
For those that require these additional professional services we can provide details of a qualified professional.
Life Planning
This is where we combine all facets of your financial position and build a plan that will identify any shortfalls and the action required to ensure you achieve your life and wealth objectives. We will incorporate cash-flow modelling and monitor the progress over time, which will enable us to ensure you remain on the right path, on your life journey. If there is any deviation, we can then react and adapt your plan accordingly.
Your life plan is a central part of the overall financial planning strategy and is ultimately the key to its success.
“My wife and I have been clients of Richard’s for more than 20 years. We’ve always received good advice and been looked after throughout some very turbulent times. Apart from that he is very likeable and we trust him.”
M.G. Hazelmere.