Your Perspective

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

We believe that wealth can accomplish more than just the sum of its assets.  When we first meet a client we learn about where they are and where they want to get to.  They tell us about their family and their vision for the future.  We ask about their assets, their income and their lifestyle.

We learn about each client's relationship with money and how they would like their resources to serve their needs, wants and wishes.  We are keen to understand their perspective, as this enables us to enhance their financial outcomes to support their personal objectives.

Client Assets are Often Collected

We observe that client assets are often collected over the course of their lifetime, either directly without advice, or with the guidance of a traditional financial adviser.  There is no doubt that a collection of assets is a good starting point, but despite this advantage, a strategic approach to wealth can go much further.  We help our clients elevate their people and their purpose.  We have honed our strategic approach for over 20 years and are able to ensure each client puts the right wealth, in the right hands at the right time.

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.  We are able to suggest, arrange and manage change to improve their position once we understand their personal objectives.  Liquidity assets can include savings, pensions and investments.  Property assets often comprise a main residence and may also include rental holdings or a second home.  Business assets are usually made up of shares in a company or partnership.

We Think Beyond the Traditional

We think beyond the traditional, where assets are collected from time to time.  We always consider the consequences of acquiring, retaining and disposing any asset.  We remain beside our clients and suggest solutions to grow their wealth whilst minimising the impact of lifetime and post death taxation.  Our clients want us to identify the advantages and limitations of their alternatives.  They need us to ensure that 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 common client concerns, we recognise that everyone will have their personal needs, wants and wishes that may be addressed with 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 client's needs, wants and wishes are clarified at outset, modified when necessary 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 taxation;
- Protect wealth for loved ones.

So, take your time to look through our website and request an exploratory call 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'd love to hear you talk about your perspective.  Why not get in touch to see if we can help?

"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

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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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