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What we do

As a Client we work for you, and with you, to make your lifetime financial journey make sense.  We often help people with their decision as to where  that journey needs to reach  in order to  match life planning  and lifestyle goals.  Once the goals are set out our expertise is then in working with you to understand  how those goals can be reached.  We listen to what our clients say they want and so:

Creating wealth

During your working life your strategy needs to be to build up assets from which an income can be taken at the time that you decide to cease working.  As a start, it is important to ensure that there is secure, no risk, cash deposit capital for times when emergencies arise or just for general reserves.  Once this foundation is in place then creating wealth can be done in many ways and might be by way of regular savings in to unit trusts or ISA's;  it could be by investing lump sum capital from an inheritance or from the sale of a business; you might invest in a commercial  or "buy to let" property;  investing into pension plans  might be a good option as this may be tax advantageous  for the right person in the right circumstances; you might build up benefits in an occupational pension.

Using wealth to provide income.

At some point in time you will decide to cease work and you will then need to consider how your assets can generate income for you to maintain the standard of living you wish to have. The timing varies enormously but can be summarised in just one word  which is "enough."  This is the time in life when income from assets be they  investments, properties, pensions (including state pension) is sufficient to provide you with the standard of living you wish to enjoy at the time you cease working and then into the future.  A significant proportion of our work  is helping clients at this stage of their life. 

Passing wealth to the next generation   

Another significant part of our work is to assist clients with inheritance tax planning. It is often the case that clients wish to reduce or remove any possibility that their family would have to pay inheritance tax. Great care needs to be taken that the balance between tax planning and income safety is not compromised and the right balance is achieved.  Again, we are well practised and skilled in working out the solutions  and, where necessary, we are more than happy to work with the family solicitor or accountant as a team in supporting our clients.

Unexpected health issues can surface in later life and  it is an integral part of our planning to take this into account.

Our expertise in the use of trusts, where appropriate, has proved invaluable over the years to achieve what might at first glance seem to be be impossible.

Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning and Trust advice.

Investment risk

Underpinning all the  work we do is the subject of risk and this comes in so many different forms. It could be the risk to family wealth if the will is not appropriate (or even in place) or the risk which comes from there being no power of attorney in place when someone becomes mentally or physically incapacitated.The main risk  on which we major is, not surprisingly, that of investment risk.  We have developed and use a straightforward but robust process which matches the level of investment risk the client wishes to take  to the level of risk that they need to take and, in turn, the level of risk they can afford to take which probably carries the greatest importance of all. If anything, this  aspect of our work takes the most time  to ensure that there is a clear understanding by all parties; it is not just worth taking the time for this, it's essential.


Of course life does not always run smoothly and, whilst we can be busy planning to accumulate capital, it is essential not to forget to put in place plans which can cover financial disruption when life throws a curved ball.  This might take the form of life insurance to provide a lump sum (or regular income) in the event of death;  it might be to replace income in the event of long-term  incapacity or a lump sum if someone is diagnosed with a critical illness.  So, protecting the family needs to be high priority within an affordable budget.