Each client has their own individual story which has influenced their goals and aspirations for the future but we have found that they all need the same thing – for us to listen to them and understand their plans and objectives. It is only once we have listened that we can help them, and only then that our approach to planning and investment can make a difference.
Our holistic approach to wealth management means we can integrate financial planning with investment management.
Financial planning
We prioritise getting to know you and, together, discovering what you really want from life. Establishing clearly defined goals and creating a financial plan to help keep you on track to achieve those goals.
“Where you are right now doesn’t have to determine where you'll end up” Barack Obama
Building a comprehensive financial plan is the starting point for looking after you and your family’s future. We work with you to build a strategy to help you meet your financial goals. These may include having enough income in retirement to enjoy a certain lifestyle, protecting your assets to pass onto your loved ones or growing your existing wealth in the most tax-efficient manner.
Investment management
As with financial planning, investment management begins with understanding your goals and what you want to achieve, what risk you are able or prepared to take and what service is right for you.
It might be an investment strategy to help provide the right income in retirement, to achieve specific goals or simply for capital growth from existing wealth.
We take the responsibility for managing your money very seriously and see it as a privilege to be stewards of our client’s capital. For some, it might be more about preserving their hard-earned wealth than ‘shooting the lights out’. For others, it might be about maximising the potential return.
We will analyse what level of risk is appropriate for you taking into account your goals, timescales and what risk you are comfortable with but also carefully considering what risk you are able to take based on your financial situation. Importantly, we will challenge you where it is appropriate to do so.
Working with you to construct and implement the right investment approach is important, building in tax efficiency to optimise the return.
Are there other requirements we should be taking into account such as restrictions or ethical considerations?
We will also discuss what level of involvement you desire which usually comes down to whether you are attracted to an Advisory or Discretionary Service.
