Financial Planning is the process of developing strategies to:
When looking into Financial Planning we'll take the time to understand what's most important to you in life - your hopes, concerns and aspirations. Then, structuring in timescales and costs, we can help you work out how to get where you want to be.
Starting with a detailed assessment of your financial planning needs, we'll review your current arrangements, identify potential shortfalls and devise realistic solutions. No matter where you're starting from, we'll help you build a life-long financial plan which puts you at the helm.
Estate Planning Protection
If your assets are worth more than the current “nil rate band”, a large chunk of your estate could end up with the Chancellor through inheritance tax.
We have many solutions for inheritance tax issues, ranging from the use of offshore bonds and trusts to simple life assurance products.
Basic estate planning can be as simple as making a will (or updating an existing one).
Planning to reduce and/or mitigate your estate’s liability to inheritance tax is another important aspect. There are many ways to achieve this, but it's important to get proper financial planning & legal advice to ensure that the as much of your estate as possible ends up with your intended beneficiaries.
Private Wealth Management
Our discretionary investment service provides proactive management of your funds without the need for you to be involved in day-to-day decision-making. Our unique approach uses a “basket” of securities to:
...reduce risk by diversification
...avoid stamp duty
...benefit from trading throughout the day rather than just once.
Quote within 24 hrs
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Careful listening to really understand your needs and priorities
As much help as you need with completing forms to provide risk information
A discreet and complimentary appraisal* to assess the risks and ensure you have the right coverage where you need it
An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
Careful monitoring of the carriers’ financial strength, claims and customer service
An independent recommendation of the best policy for you - and why
Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies
*subject to insurer availability
An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories
Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
A dedicated adviser so you can speak to the same person each time.
Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
Direct phone and email access to your adviser for questions and advice.
Policy documents emailed to you - no logins and passwords to remember
An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement
As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with high net worth insurers including Chubb, Hiscox and Covea.