Your Perspective

Wealth can accomplish more than
the basic sum of its assets.

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When we meet a client for the first time we learn about where they are and where they want to get to. They tell us about their family, their career and their personal vision for the future. We hear about their history and their concerns. We ask about their assets, their income and their lifestyle. We learn about their relationship with money and how they would like it to serve their needs, wants and wishes. We are keen to understand their perspective, as this enables us to enhance their financial outcomes.

Classifying Assets into Categories

We classify assets into three main categories - liquidity assets, property assets and business assets. Each client is different and may have any combination of these assets. However, we are able to suggest, arrange and manage change to improve their position. Liquidity assets can include savings, pensions and investments. Property assets often comprise a main residence and may include rental holdings plus a second home. Business assets are usually made up of shares in a company or partnership.

Client Assets are Often Collected

Client assets are often collected over the course of their lifetime, either directly, or with the guidance of a traditional financial adviser. In contrast, we believe that a client's wealth can accomplish more than the basic sum of its assets. There is no doubt that a collection of assets is a good starting point, despite this, a strategic approach to wealth can go much further to elevate people and purpose. We have honed our strategic approach for over 20 years, helping each client put the right wealth, in the rights hands at the right time.

We Think Beyond the Traditional

We think beyond the traditional, where assets are collected from time to time. We always consider the lifetime consequences of acquiring, retaining and disposing any asset. Our clients want us to identify the advantages and limitations of their alternatives. They need us to ensure they follow a robust Wealth Road Map. They rely on us for overarching foresight and multi-faceted technical capability.

Particular Life Stage or Life Event

Our clients talk to us when they come to a fork in the road, at a particular life stage or due to a specific life event.

Our clients may be at a particular life stage:

- Building up to retirement;
- On the cusp of retirement;
- Single due to a recent loss;
- Preparing for care funding.

Or, may be dealing with a specific life event:

- Divorce settlement;
- Receiving inheritance;
- Personal injury claim.

Or, may be anticipating a capital sum after:

- Selling their business;
- Disposing of property.

Whilst these examples represent certain client concerns, we recognise that everyone will have their personal needs, wants and wishes that may be addressed by our strategic approach. We therefore remain uniquely placed to design and direct an individual Wealth Road Map for every client.

Frequent Client Needs and Wants

Our clients needs, wants and wishes are clarified at outset, modified from time to time and updated if required.

Without exception, all our clients need to:

- Secure a lifetime of money;
- Minimise lifetime taxation;
- Offset the impact of inflation;
- Simplify money management.

Whilst some clients additionally want to:

- Enjoy advancing lifetime gifts;
- Minimise post death taxtation;
- Protect wealth for loved ones.

So, why not have a look through our website and request a call back when you are ready. It will cost you nothing to get in touch and let us explain how we can improve your wealth experience, for your life and the lives of those around you.

"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

Get in touch to hear how we can improve your wealth experience.

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Specialist Private Wealth Limited is a company registered in England and Wales No: 04524366. Authorised and regulated by the Financial Conduct Authority No: 441386.