Finding the right approach for you

A financial plan allows you to create a roadmap that takes into account all of your unique aspirations and your short, medium, and long-term goals. Having a plan can keep you on track to reach those goals and make changes where necessary. Having your roadmap with key milestones along the way will support your current and future requirements, and provide you with peace of mind in relation to your finances.

Your wealth adviser will help you to build your financial plan, choosing from our range of services, from investment management expertise to retirement planning to tax-efficient savings, protection and intergenerational wealth transfers.

We know that there is no ‘one size fits all’ solution for financial planning, therefore, our service is personal to you. At our first meeting, we want to get to know you, to understand what your life goals are, your hopes for the future, and also your worries and concerns. Building a strong relationship with you is at the heart of our wealth advice service. Only then will we move on to the financial assessment.

During this meeting we will discuss a number of key topics with you:

• Your assets and capital, where they are held, and by whom – including if you intend to gift any of your assets, now or in the future.
• Checking if you are making smart use of all your allowances, such as capital gains tax allowances, and tax-free savings via ISAs.
• Your financial objectives and expected timings for example around retirement and passing on assets to the next generation.
• Your investments and the expectation you have for the returns they may generate alongside how much risk you're prepared to take to achieve those returns.
• Planning for the unexpected - how might your family or personal situation alter over time, and could your financial plan allow for any changes to your health or lifestyle requirements.
• Ensuring that your assets and wishes are well-protected by having a will in place, as well as planning for ‘powers of attorney’ which can also protect you in cases of unexpected health needs or serious injury.

Having established your financial position, your wealth adviser will help you create your personal financial plan that meets your goals, as well as finding the best ways to protect and grow your wealth.

We work with individuals, families, entrepreneurs, business owners, corporates, and charities, and we can partner with your other professional advisers, accountants and lawyers to help manage your wealth.

As a customer, your dedicated wealth adviser will meet with you at least once every 12 months, and more often than not several times a year. This interaction is usually face-to-face or can be online if preferred. Your adviser will help to bring your bespoke financial plan to life, investing your assets according to your wishes and aspirations, and utilising structures such as ISAs and pensions, where appropriate. You will receive regular portfolio valuations that are clear and transparent, and you can access your account online.

Your adviser and their support team will always be available in person, over the phone or by email and will regularly review your plans to help keep you on track.

Advice and product fees may apply. The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

• We are culturally very different to many of our peers. Our fee structure is transparent, we are focused on giving advice, not making sales, and our advisers do not work on commission or performance-based targets.
• Our advisers are local, so they’re never far if you want to meet them in person.
• Online, over the phone or in person – meet your adviser in the way that's convenient for you.
• Investment independence – we only select external managers and we have no affiliated managers.
• Fully integrated wealth, investment and banking services.