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Wealth Planning
Just like financial planning, we believe that wealth management should be approached in a holistic manner. Whether you are investing for retirement, growing your wealth to be passed on to future generations or indeed investing to achieve an income, the fundamental investment principles remain the same. Using a principled-based approach, we will consider the following factors to ensure you have the optimal investment strategy:
- Investment goals – are you attempting to target a future portfolio value or are you targeting a level of yield?
From targeting growth to preserving the value of your hard earned wealth, we will work closely with you to understand your individual investment goals and how best to meet them
- Time horizon – how long do you expect your money to be working towards achieving your objectives?
More often than not, investment time horizons can be overlooked. This can result in poorly constructed portfolios, which do not reflect the optimal asset allocation for the duration of your investments
- Risk profile – how much risk are you prepared to accept and will this give your investments the opportunity to meet your aspirations?
Prudent risk management will ensure your investments remain aligned to your agreed risk profile – whilst at the same time, maximising your potential return for the given level of risk you are comfortable with
- Tax considerations – will there be any changes in your future tax status and could this have a negative impact on your portfolio in the longer term?
We will utilise your individual tax allowances to ensure your portfolio is as tax efficient as possible. We often join up with tax professionals to provide a full rounded service, when required
- Outside assets – do we need to consider or compliment any external holdings you may have when constructing your portfolio?
Do you have income producing assets or a portfolio of equities that may have a place in your wider financial strategy? From this to retained earnings in a business, we take a holistic view
Whilst investment portfolios should be positioned to meet your longer-term objectives, we understand that your circumstances and goals can and sometimes do change. Making sure your portfolio is regularly reviewed will be crucial to ensuring that it remains on-track in meeting your expectations.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
