Wealth Road Map

Strategic approach to handle the
complexities of financial life.

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We believe all of our clients should have a strategic approach to handle the complexities of financial life. One that is focused on each client's needs, wants and wishes. That takes account of their current situation, financial position and personal objectives.

We help every client harness their resources to improve their potential in support of their outcomes. We are able to create an individual Wealth Road Map for every client that always includes two harmonising components, a Planning Strategy and a Portfolio Strategy.

First: Planning Strategy

This is the first strategy to establish with any client when creating their Wealth Road Map.

We utilise Cash Flow Technology to build a picture of our client's financial future. This considers life expectancy, existing arrangements, availability of surplus income and capital, anticipated asset growth, relevant financial milestones and macroeconomic factors.

We forecast our client's current trajectory, which assumes they make no changes to their existing arrangements. We also forecast a revised trajectory that includes our proposed planning. We present these forecasts in a detailed report, together with the advantages and limitations of our suggested changes, for thoughtful iterative discussion. We then answer queries and make necessary adjustments to finalise our client's next actions, as their Planning Strategy, to meet their personal objectives.

We offer two alternative planning services, our Wealth Navigating Service and our Wealth Optimising Service, as described below.

Wealth Navigating Service

Advanced Retirement Planning

How much wealth should you amass
for a plentiful retirement?

This planning service is for aspirational clients that wish to become free from their need to work.

Such clients need to enhance the liquid value of their wealth, by focusing on Capital Accmulation, so they can become financially independent and safeguard an abundant lifestyle in retirement.

Our Wealth Navigating Service is for clients that hold savings, investment and retirement accounts with a combined value greater than £250,000.

Wealth Optimising Service

Confident Succession Planning

How much wealth would you like to
preserve for beneficiaries?

This planning service is for lifetime secure clients that wish to lower inheritance tax on their assets.

Such clients want to reduce the taxable value of their wealth, by focusing on Estate Decumulation, so they can leave more for their loved ones whilst retaining adequate capital and boost income.

Our Wealth Optimising Service is for clients with an estate over £2,000,000 including savings, investment and retirement accounts of £500,000.

Next: Portfolio Strategy

This is the next strategy to determine with our client when creating their Wealth Road Map.

We apply Modern Portfolio Theory to improve risk control and target profitability. This can depend on our client's time horizon, attitude to and tolerance of volatility risk, to mitigate inflation risk.

Certain clients prefer a comprehensive active allocation and others require a lower cost passive approach. Some clients are cautious, many are balanced, and a few are adventurous. We begin with risk assessment, continue to risk discussion and conclude with a Portfolio Strategy, to meet their personal objectives.

Our Portfolio Tailoring Service is described below.

Portfolio Tailoring Service

Progressive Fund Management

How much volatility risk should you
take to counteract inflation?

This portfolio service is for return seeking clients that wish to build the real value of their investments.

Such clients understand the importance of accepting a reasonable level of volatility risk to increase the long term purchasing power of their invested capital, in context of 'risk need' v 'risk want'.

Our Portfolio Tailoring Service always accompanies each planning service described above, meaning our Wealth Navigating Service and Wealth Optimising Service.