When a potential client is introduced to us seeking investment advice, we have noticed a common mantra being repeated: “I don’t really want to lose what I’ve accumulated over the years”.

That phrase is common to many. One of the main reasons is due to a fear of not knowing how suitable the existing investments are for their long term needs. It is therefore important to find out why the investments are there in the first place!

Key features of this programme include

• Understanding what risk really means and how it affects your current investments
• Organising your assets to match your specific goals
• Realigning your investments to give you better returns with lower risks Protecting your assets in the event of death
• Utilising tax efficient investments

All those years of working…what now? It’s time to enjoy what you have accumulated! But are you still thinking about how your investments will perform and whether they can maintain your standard of living?

We will show you what your financial future will look like today.

You will see how your assets will interact and provide for a particular lifestyle.

Key features of this programme include

• Understanding what total income you can get today based on your current assets
• Realigning your investments to give you better returns with lower risks
• Protecting your assets in the event of death
• Deciding how to maximise income in retirement
• Impact of downscaling

Considering the impact of needing long-term care

For advice on Long Term Care we act as introducers.

Our clients who run successful businesses eventually got round to telling us what they really want…and the theme was the same. They wanted to spend more time with their family and those they really care about. Quite simply, they want peace of mind that they will have money.

Although they have considerable wealth, no one had reassured them that if they do certain things, they can have extra time to do what they really want to do.

So, what are those certain things? They are a mixture of our Strategies and Programmes albeit in a more corporate manner.

It involves some of the following:

• Distributing profits whilst paying the least amount of tax
• Other tax planning in addition to income tax and capital gains tax
• Utilising tax relief schemes to boost your retirement nest egg
• The importance of writing a Corporate Will

The outcome

We will show you your financial future today. Cashflow modelling allows us to forecast how your assets will interact and provide a particular lifestyle. This will also show you what you can and can’t do. It will also show you what the business needs to do year on year for an overall purpose, not just making “loads” of money, or selling it for the “highest sum”.

The questions we put forward are: exactly how much is enough? And for what purpose?

The financial Strategy and Programme selected for you will depend on your age and financial situation, and sometimes a combination of strategies and programmes will be appropriate