Our approach

  • We put our clients’ interests first in everything we do.
  • We follow the Financial Planning Standards Board’s established 6-step process of financial planning
  • We don’t believe that we can successfully advise our clients on all available products, but focus rather on:
    • investment planning & management for individuals and businesses
    • tax planning
    • estate & succession planning.
  • Where there are additional needs we are happy to refer our clients to specialists in their fields.

Investment planning

  • We gather all necessary and relevant information from the client
  • We analyse the information
  • We propose an Investment Plan which tells the client:
    • how they will invest their capital and savings
    • where they will invest (domicile, structure, platform and products etc…)
    • how their investments will be managed and by whom
    • what their investments are likely to be worth at retirement
    • the tax and estate implications of their plan
    • We implement the agreed recommendations
  • We monitor and review the investments periodically

Retirement planning

  • We gather all necessary and relevant information from the client
  • We analyse the information
  • We propose a Retirement Plan which tells the client:
    • how they will invest their capital and savings
    • where they will invest (structure, platform and products etc…)
    • how their investments will be managed and by whom
    • how long their income needs are likely to be met
    • the tax and estate implications of their plan
  • We implement the agreed recommendations
  • We monitor and review the investments periodically

Investment management

  • We monitor the performance of the funds we recommended and implemented directly
  • We work closely with highly regarded Fundhouse Investment Advisers to manage our clients’ portfolios in line with agreed objectives
  • We review and rebalance investments when necessary
  • We recommend and implement changes where necessary
  • We keep our clients informed of their progress and help them to stick to their plans during emotional times

Fiduciary planning and management

  • We advise our clients on the circumstances in which the use of domestic and offshore trusts may be appropriate
  • We advise on the founding, set-up and implementation of trusts domestically and offshore
  • We serve as independent trustees when appropriate
  • We assist with record keeping where necessary
  • We assist with tax returns where necessary
  • We advise on and assist with the dissolution of trusts in the correct circumstances
  • We work with recognised tax experts in various fields to provide specialist advice where necessary

Tax planning

  • We advise on the tax implications of all our recommendations
  • We advise on ways to structure and manage investments and estates in a tax-efficient manner
  • We attend to or assist with the submission of tax returns for individuals and trusts
  • We monitor prevailing and proposed tax legislation and advise our clients on the possible implications of proposed changes
  • We work with recognised tax experts in various fields to provide specialist advice where necessary

Employee benefit planning

  • We advise small businesses and entrepreneurs on appropriate employee benefit schemes for themselves and their staff
  • We advise staff on their employee benefit options under a chosen scheme
  • We implement employee benefit schemes on behalf of the business with the staff and product providers
  • We manage the operation of existing schemes
  • We manage the induction and exit of staff from time to time
  • We regularly report to the business and staff on progress
  • We monitor and review the scheme and progress under the scheme periodically

Estate & succession planning

  • We advise on estate and succession plans which meet the unique needs and circumstances of our client
  • We draft Wills to give effect to the estate and succession plans
  • We serve as Executors and Administrators of Deceased Estates to ensure that the wishes of our client are acted upon after their death & liaise closely with beneficiaries
  • We advise on ways to structure our clients’ financial affairs prior to death so that their estates can best provide for their heirs in a clear, transparent and tax-efficient way
  • We monitor changes to legislation which may affect our clients’ estate and succession plans and advise on any changes which would be in their interests
  • We work with experts in various fields to provide specialist advice where necessary
  • We work with recognised tax experts in various fields to provide specialist advice where necessary

How I work

To see how I work and the steps we follow, please click here.