What is Wealth Management?.

Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by inflation, taxation as well as other investment risks.

There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties that may threaten it and allowing you to sleep at night.

A good place to start is to ask yourself the following questions:

• How secure are my savings & investments?
• What happens if a company I have invested in collapses or is unable to meet its obligations?
• Is my job secure?
• What happens if my employer goes bust?
• Is my occupational pension safe?
• What happens if an elderly relative has to go into residential care?
• What happens if I divorce?
• Do I have enough insurance?

This is just a start and you will no doubt identify other questions. It may not be the most enjoyable task but if you work through the implications of these questions and attach a probability to them, it can help clarify the issues and form the basis of your financial plan.

Our service is all about helping you with professional wealth management advice to create, build and protect your wealth as well as mitigate your tax liability where appropriate. We will monitor this over a long-term, on-going relationship.

Building Relationships with our Clients

Your financial situation is unique and so are our services. We follow a four step process to build a relationship and provide quality advice:

1. Understanding You

By gathering information from you we will find out about any plans you already have in place. Then by exploring your attitude to risk, your hopes and aspirations, we will build a picture of what you want to achieve.

At this stage you will find out what to expect from us and how you will benefit from using us.

2. Planning

We’ll explore and research various scenarios to make the best use of your existing plans.

We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.

3. Implementation

Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. This will save you a lot of time and effort and ensure your plans are set up correctly. We may charge you a fee for doing this, which we will explain to you.

Alternatively, you may decide to implement our recommendations yourself, in which case we may charge you for our time and advice.

4. Review

Nothing stands still, so it makes sense to review your plans regularly.

We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation.

You will also hear from us if we have something that we feel will interest you.