Examples Of Our Work

Investment Quorum

As part of the overall wealth management process it is perhaps worth describing some of the typical things that are going on right now. We are doing a large probate valuation for a client. We have just worked out with a client how to take tax-efficient retirement income where he is not paying his highest marginal tax rate. Another thing we are doing right now is we are setting up a Trust for a client who has just inherited money from his father on behalf of his brother who has learning difficulties. I have just taken on a client who has just sold his business so substantial wealth he has never had before so it was a very interesting learning curve for both of us working together. The point of this is to make the capital last for the rest of his life as he has chosen to retire at fifty-five. He is therefore looking at a thirty, thirty five or event longer retirement. It is a very interesting investment portfolio to manage on his behalf. Another example would be a client who has sold a substantial house, they are down-single as the children have left home, gone through university and the fees are all paid off. It is a big rattling family house so they decided to sell and we are now managing the spare money from the sale. They are actually now doing a self-build home and we also assisted with the financing of that which was interesting too but it is all about the investment portfolio going forwards. This is particularly interesting as the husband and wife team and one has a much higher tolerance to risk than the other and that led to some very interesting discussions with and between them. Financial planning is not just about the individual sometimes it is about the business and we do work for company directors and business owners. One of the things we have just completed which was for one of our corporate clients. They started the business about eight years ago with virtually no turn over, eight years in several million pounds of turnover and they had no boardroom protections. What happens if one of the three key individuals and something happened to them? So there has been a round of arranging key man insurance, critical illness insurance, life assurance etc - the very building blocks of financial planning. So it is a very varied, interesting working week. I think that many of the problems that come along are of incredible importance to our clients and we take pride in being just the people to help them.