Integral to the services provided as part of "Wealth Management" our Financial Planning Group offers a comprehensive range of financial services. These include:-
Financial Planning
We provide an expert diagnostic service that assists our clients to identify those areas where they require support. We are then able to introduce a range of specific proposals and carry them through to implementation, providing legal and taxation assistance along the way where required. In most cases we then establish a continuing review service for our clients. Yearly or six monthly valuations and reviews are conducted along with regular client meetings to ensure that their portfolios and financial arrangements continue to meet their objectives and attitude to risk. We have also recently been engaged by the trustees of an employee benefit trust to provide financial planning advice to all of the beneficiaries.Investment Administration
Using our comprehensive experience and expertise we are able to work hand in hand with your chosen stockbroker. On most occasions we will be able to make life simpler for you by acting as a liaison point with your stockbroker. We do this by holding the shares on your behalf in our nominee company, saving a plethora of paperwork and administration for you. We will monitor corporate actions as they arise and advise you accordingly. We can provide the information on the capital gains tax implications of any changes proposed by your stockbroker. We also ensure that your dividends are collected and are correctly mandated in accordance with your instructions. Not least, we will provide a complete year end tax pack to assist your accountant with the preparation of your tax return.Portfolio Management Service
Offers access to either growth, fixed income or equity income portfolios, or a specialist pension portfolio. The portfolio comprises investments in a range of handpicked unit trusts and open ended investment companies and specialist pension funds in the case of the pension portfolio. The service takes full advantage of the substantial benefits offered by using collective investments to minimise capital gains tax liabilities. We have negotiated exceptionally competitive terms from the leading chosen fund management groups operating worldwide. Due to the competitive terms that are available to us, we have to work within strict confidentiality guidelines with the investment houses concerned.Pensions
Our specialist pension team is headed by a highly qualified pensions trustee and the team provides advice on all non-legal aspects of pensions, working in close conjunction with our pensions law team. The predominant areas in which they work include advice to owner-managed businesses on complex pension issues, detailed technical advice in relation to Small Self Administered Pension Schemes and Self Invested Personal Pension Plans. They provide detailed reports on the benefits and otherwise of a range of pension options at retirement, including income withdrawal, phased retirement and the full range of complex annuity options. Advice is provided in the case of company mergers and de-mergers, buy-outs and also covers the wealth of current hot topics such as stakeholder pension, contracting-out and rights on divorce.