Introduction
We provide an independent financial planning, tax advice and investment management service.
We work with our clients to help them to achieve their financial goals over both the short and longer term.
We do this in a way that maximises investment returns, minimises taxes and transaction costs and optimises family wealth preservation for our clients.
How we do this:
Step 1 – Understanding you and your needs
At our initial discovery meeting, we seek to understand your past history, principles, transitions and goals along with assessing your attitude to risk. We are then able to offer you our holistic financial health check covering all aspects of your tax, investments, life- assurance and pension arrangements.
Step 2 – Identifying how we can add value for you
Once we have reviewed your current financial position and where you would like to get to we will provide a brief assessment of where we can add value to your overall financial planning and taxation arrangements. If we do not believe we can add significant value to your current arrangements or we believe that you can achieve your goals more efficiently without our services, our commitment to you is that we will say so and not charge you for our services. However, if you decide to engage our services, we will provide you with a personal fee quotation and ask you to sign our engagement letter before we begin any chargeable work for you.
Step 3 – Your personal financial plan
We will present our complete diagnostic of your current financial situation and our recommendations for how we will help you to bridge any gaps in order to reach your goals. We will also expand upon our asset management philosophy and offer you a greater understanding of how markets reward investors for taking risks without the need to speculate on the future. At this stage you are under no obligation to follow our advice and if you decide you do not wish to take up our recommendations, you will not be liable for additional fees.
Step 4 - Implementation
If you decide to follow our recommendations, we will work with you to implement the necessary legal or tax efficient structures required. Our holistic recommendations extend to the co-ordination of your total net worth to achieve your objectives. This includes asset-liability matching, liquidity planning, asset allocation reviews and a bespoke tax plan designed to suit your needs and financial position. We will, at all times, keep you apprised of the progress being made and the relevant timelines associated with your plan. Where necessary, this can involve further regular meetings throughout the implementation phase. We will also arrange a follow up meeting when the implementation phase is complete to ensure that the plan is achieving the desired results.
Step 5 - Ongoing regular review meetings
At the core of our service is the belief that unbiased, practical financial and tax planning solutions can only be provided where there is an ongoing long term relationship as your financial plan should evolve with you to take account of changing circumstances. These meetings, scheduled at intervals convenient to you, give us an opportunity to review any major changes in your personal or financial situation since our last meeting and determine if these changes necessitate adjustments to your plan. We will also review your overall progress towards your long-term financial goals.
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