Wealth Road Map

Strategic approach to handle the
complexities of financial life.

We strive to ensure each of our client's has a strategic approach to handle the complexities of financial life. One that is focused on their needs, wants and wishes. An approach 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 personal objectives.  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 develop 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.  Generally speaking, our clients may be in the latter stages of their working lives looking forward to retirement, or instead, may have already retired thinking forward to minimise death duties.

Our planning services are 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 Accumulation, 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 market 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 deriving more income.

Our Wealth Optimising Service is for clients with a net worth over £2 million including savings, investment and retirement accounts of £500,000 or more.

Next: Portfolio Strategy

This is the next strategy to determine with any 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 favour a lower cost passive alternative.  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 for their personal objectives.

Our portfolio 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 real value in their investments.

Such clients understand the importance of accepting a reasonable level of volatility risk to maintain and 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.

"We went through our finances looking at every detail before deciding on our plan. Since then, we’ve had plenty of regular income and we’re enjoying our retired lives. We leave the worrying to you and trust you to do what’s best."

Mr & Mrs B Martin

"You're always courteous, patient, professional and knowledgeable explaining complex investments in easily understandable language."

Mr & Mrs V Tierney

"You look after all our investments and both our trusts. We’re very comfortable with our position and our potential. Keep up the good work!"

Dr & Mrs A Mitchell

We'd love to make a Wealth Road Map just for you.  Why not get in touch to see if we can help?

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Specialist Private Wealth Limited is a company registered in England and Wales No. o4524366.   Authorised and regulated by the Financial Conduct Authority No. 441386.

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