Growing your wealth

The backbone of our approach is creating your personalised cash flow model for every client. Using this we formulate a long-term investment strategy considering your aims and objectives to establish the minimum level of risk required (risk requirement) to achieve these as well as the maximum level of risk you should be invested in (capacity for loss).

This forms the basis of your recommended risk profile. We use this in conjunction with your goals and objectives to create the most tax-efficient recommendation to suit your bespoke requirements.

We start with cash flow planning. We map out where you are now, what you’re working towards, and model different paths to get there. That tells us what investment strategy fits your situation: your timeline, your attitude to risk, your tax position, and your other commitments.

Then we make specific, independent recommendations. We’re whole of market, not tied to any providers or panels, so we consider everything available and select what’s right for you.

• Cash flow modelling to understand what your wealth needs to do and by when
• ISAs, General Investment Accounts, and tax-efficient wrappers
• Pension planning and making the most of your annual allowance
• Portfolio construction and ongoing management
• Reviewing existing investments to check they still fit
• Structuring your wealth to reduce unnecessary tax

Clients can get a cash flow planning report and a recommendation report, both explained in detail, in person, page by page. We run through scenarios together: what if you invested an extra £500 a month? Could you retire a year earlier? What would that mean in real terms?

For ongoing clients, we revisit everything annually, check you’re on track, use your allowances, and adjust the plan where needed.