Typical Clients
Your financial future
Our clients come from all walks of life with their unique story. We have noticed that people are motivated to start their journey after one of the following life events:
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Divorce
Divorce, whether amicable or otherwise, is a life changing experience. Before, during, and for the years after divorce, we specialise in working with and helping people as they settle into their new financial realities.
Perhaps we are liaising with the lawyers in assessing your financial needs (especially where children are involved), in order to get the right financial split. Perhaps we're answering ad hoc questions as they arise. Or perhaps we are working alongside you after the dust has settled, ensuring that your assets are now well organised and suitable for your new life ahead.
Regardless of whether you're just beginning to contemplate the process or the end is in sight, we’re here to support you with a combination of empathy and practical financial solutions.
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Understanding Retirement
The good news is, we’re living longer and thus have more years to learn how to do the cryptic crossword successfully. The bad news is, we now have to budget for more years than we may previously have imagined.
Perhaps you’re only just starting to contemplate retirement although it still seems a long way off. Perhaps it’s already underway but you have questions about your financial sustainability. Perhaps you want a complete career change, and you want to know how that will impact you in later life.
We’re here to help you gain confidence in your plan for the years ahead through a combination of financial modelling and pension management so that the thought of winding down at work brings you excitement rather than concern.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
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Intergenerational Planning
Discussing finances with family is a delicate business, and yet it’s a bridge that needs to be crossed more often than not, especially when planning for the future.
Perhaps your parents have an inheritance tax liability looming, that they’d like to mitigate. Perhaps you do. Perhaps you’re trying to help the younger generations onto an increasingly out of reach property ladder, or simply gift them money for their ventures, but you’re worried you might not be left with enough capital for your own needs.
We have years of experience facilitating these kinds of discussions with empathy and technical expertise. This allows us to navigate the complexities that inevitably arise with care, whilst providing a sound financial plan and a route forward that works for everyone.
Inheritance tax planning advice is not regulated by the Financial Conduct Authority
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HENRYs
Not just a kingly name, this is a bit of industry jargon that stands for ‘High Earner, Not Rich Yet’. A growing number of individuals are finding themselves here, unsure of whether they’d benefit from financial advice since they wouldn’t necessarily categorise themselves as ‘rich’.
Perhaps you’ve noticed surplus income each month that you’re not sure what to do with. Perhaps you’re contemplating a sabbatical, a family, or a career change but you’re worried about falling behind financially. Perhaps you simply want reassurance that you’re doing the right thing, going in the right direction.
Financial advice can seem exclusionary, expensive, and confusing. Our job is to reassure, explain, and provide affordable solutions, so you’re building towards the life you want rather than treading uncertain water.
Tax
A robust financial plan will take into account your tax position. You may already have an accountant, you may be an accountant, or your situation may not warrant one. Whatever the situation we aim to make sure that tax efficiency is part of your plan.
Tax planning advice is not regulated by the Financial Conduct Authority.
Developing your financial plan
For most clients we are here for the long term. That means we're here to worry about tax changes, the investment markets or the implications of the next Budget or interest rate move. Our planning is designed to give you the confidence and the comfort to get on with the things that are important to you.
When to get us involved?
It really is up to you. For some people the time is now, for others a quick chat and we'll agree to speak at a later point in time.
Whatever time suits you best we’re always here for you.
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