Our advice and implementation services cover some or all of the following key areas depending on client needs:
Understanding the relationship between income and expenditure throughout life and identifying and managing the excesses and shortfalls.
Understanding the answer to the question: 'How much is enough?' the relationship between income and expenditure throughout life and identifying and managing the excesses and shortfalls.
Recommending the most appropriate investments (and the right tax wrappers) to offer the best chance of achieving the required rate of return with an acceptable level of risk. For more information on our approach to investments click the items below. The value of your investment may fall as well as rise, you may not get back what you put in.
For core holdings:
For non-core holdings:
Advising on and restructuring mortgages and other debt instruments in line with clients financial objectives, whilst optimising tax efficiency. Your home may be repossessed if you do not keep up repayments on your mortgage.
Providing a summary of clients’ net worth, maintaining up to date values and monitoring fluctuations.
Ensuring clients and their families are protected against the financial consequences of ill health and premature death and implementing and monitoring appropriate solutions.
Addressing the issues: guardianship, wills, trusts, inheritance tax; and ensuring plans are implemented.
From completing clients’ tax returns to advising on the tax implications of overseas postings, advising and implementing tax efficient investments and efficient use of debt.
If there is a particular social or environmental issue in which a client is particularly interested we will source appropriate investments which meet those objectives. Areas which have attracted clients’ interest include; environmental, such as renewable energy and farming; social, such as offender rehabilitation programmes and; community, which might be a local or global initiative. Such advice will always be given in the context of a client’s overall investment strategy.
The motivation behind philanthropic giving is not ‘investment return’ but a desire to ‘give something back’. This can range from helping family members financially, anonymous funding of private education for talented individuals, setting up a charitable trust or making donations to causes which are close to the client’s heart. This work is always undertaken on a bespoke basis in line with clients’ areas of interest.