Every plan starts with your goals. What sets ours apart is what it can invest in, and how quickly it can adapt when markets or your life change.
A relaxed, no-obligation conversation about you, your family, your business and what you want to achieve.
A full review of where you are now, then a written plan with clear recommendations and costs.
Rob puts the plan in place, placing your money with whichever provider suits you best, with digital signatures and very little paperwork.
Regular reviews keep the plan on track as your life, the markets and the tax rules change.
Effective planning to create the future you want.
It’s easy to think of the future as unknowable, but planning ahead smooths out many of the uncertainties. We start with the future you want, then work out how to get there.
A sound investment in your future.
Most plans end up in shares and bonds. Yours can draw on 18 kinds of investment, from commodities to commercial property, in a portfolio that can change course quickly when markets do.
Preparing for a richer retirement.
Retirement should give you the time and space to enjoy life. Getting there takes planning, from how much to save and where, to drawing an income efficiently once you stop working.
Transferring or consolidating pensions is not suitable for everyone; you could lose valuable benefits. Any recommendation follows a full review.
Protection for you and the people you love.
None of us can see into the future, but we can plan for the events that would have the biggest impact on you and your family. You may need all, some or none of these, depending on your circumstances.
Protecting the business you’ve built.
If a key person, director or shareholder could no longer work, your company and your wealth would feel it quickly. We plan for that. You may need all, some or none of these, depending on your circumstances.
Passing on your wealth the way you intend.
You may have firm ideas about who should benefit from your wealth. Making sure those wishes are carried out smoothly takes careful thought on inheritance tax and the unexpected.
The Financial Conduct Authority does not regulate inheritance tax planning, estate planning or trusts. Levels, bases of and reliefs from taxation can change at any time and depend on individual circumstances.
A firm financial footing for your business.
For business owners, personal and business wealth are closely linked. Rob plans for both, securing the business’s future while looking after you and your team.
Pensions, ISAs, general investments, business assets and cash are all risk-rated within your plan, so your wealth is managed as one whole rather than a collection of separate pots.
Five separate pots, each with its own risk level, come together as one plan with a single risk level.
Illustrative only: how one plan’s mix might shift with its risk level. Not a recommendation. Your plan is built around your own pots and your own attitude to risk.
Rob’s clients range from professionals building wealth, to business owners planning an exit, to families thinking about the next generation. What they share is a wish for considered, personal advice and a long-term partner who looks at the whole picture.
“The best compliment a client can pay me is to introduce someone they care about. That only happens when the advice is good and the relationship is real.”