Goal. Plan. Action. Success.

How does the WealthPath™ service work?

Preliminary meeting

A "get to know you" conversation, at our cost, where we discuss your current situation, broad objectives and the obstacles that may be getting in your way.

We’ll also give you a full description of how our services and fees work. We neither want nor expect you to make a decision about working together at this meeting.

Purpose & Planning

You’ve decided you want to work together, so this is where we spend time understanding more about what matters to you, both now and for your future.

Not everyone knows or can easily articulate their aims, but we’re specifically trained in these types of conversations and your goals will become clear in no time.

From there, we use some nifty software to build a financial plan that will help support to your goals and priorities. This provides the context for our advice.

Proposal

After establishing your objectives, we go away and analyse your financial information and resources in more detail.

From this research and technical analysis, we’ll make recommendations that may well involve financial products, services and tax considerations to bring your financial plan to life.

Preparation

We present our advice in a personalised financial report, discuss how the plan will work and answer any questions you might have. We then undertake the necessary administration on your behalf.

Progress

We meet formally once a year to review your goals, progress against your plan and financial arrangements. Here we will advise and administer any actions that may be needed to help keep your financial plan on track.

Our areas of expertise

The technical aspects of our advice that help us achieve your financial goals typically include:

Investment Management

Human nature is a failed investor. An unfortunate experience , inherited beliefs, and media "noise" can all cloud rational thought when it comes to investing.

We help cut through the nonsense, show you what works (and what doesn’t) and establish your personal appetite for risk.

There’s plenty of choice too. From low-cost index-trackers, ethical or sustainable funds, actively managed portfolios, and everything in between.

Whatever your preferences, your investments will be shaped in the way that best serves your financial plan and your personal tax position.

Retirement Planning

The traditional concept of retirement is becoming increasingly outdated but there comes a time when everyone needs to use assets such as pensions to supplement or replace earned income.

In principle, pensions are simple and tax-efficient investment vehicles, but they’re governed by a myriad of rules that make deciding what to do with them quite challenging.

SIPPs. Flexi-access drawdown. Annuities. Annual allowance. By understanding what you’re trying to achieve and translating these concepts into plain English, we’ll help you choose and make best use of your pension options.

Inheritance Tax and Legacy planning

It’s often said that Inheritance Tax is a voluntary tax paid by children whose parents did not plan well or early enough. A tad harsh perhaps but it’s one of those things that people tend to leave far too late (or never get round to at all).

Making gifts, using trusts and even supporting charitable causes are all viable ways to potentially reduce Inheritance Tax. But they’re big decisions and need to be made in accordance with a financial plan.

We explain your options in clear and simple terms and how they can help you leave more of your estate to the people or causes that matter to you.

Personal and business protection

How would an unforeseen financial shock impact your lifestyle or future plans?

Nobody likes to think about it too much but if the family breadwinner or key people in a company suffer a critical illness (or worse), it can have a devastating impact on your lifestyle or the success of a business.

Insurance policies aren’t something that people tend to get too excited about, but where required, we’ll help you find the right cover from the whole of market to help protect you, your family and your business interests.

A pension is a long-term investment not normally accessible until 55. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Levels, bases of and reliefs from taxation may be subject to change and their value depends on the individual circumstances of the investor. The Financial Conduct Authority does not regulate Inheritance Tax & Legacy Planning.

Call us today on 020 8323 8881

We have clients all over London including Putney, Fulham, Wimbledon, Richmond, Wandsworth, Southfields and Surrey.
Get in touch today to find out how we can help you.