We listen closely to our clients, both individual and corporate, to ensure their needs and aspirations are understood and fulfilled.
We enjoy working with a broad range of clients and understand that you, your life and your circumstances are unique and all our advice must be tailored to you.
The areas in which we are most often asked to help are:
Wealth Creation
We show how to save and invest money effectively and efficiently, and how to manage that money to have a risk exposure with which you are comfortable.
We set up and manage investment portfolios. As well as conventional investment avenues this may include the role of ‘alternative investments’ such as fine wine and gold and tax-relieved investment plans; Self Invested Pensions, Venture Capital Trusts and Enterprise Investment Schemes.
Wealth Protection
All forms of personal and business protection packages. It is no good climbing the ladders if you leave yourself exposed to slide down the snakes.
The Pre-Retirement Years
Guiding you through preparation for retirement. This includes the evaluation of previous pensions, funding and investing current pensions and advising on new pensions as well as alternative provisions for retirement.
At Retirement
Advising the most efficient ways to access retirement funds and generate income from pensions and other sources.
Post Retirement
Examining issues such as generating further income, ‘equity release’, protecting a surviving spouse, passing on wealth to future generations, IHT mitigation and long-term care planning.
Unlike most financial firms that may offer specialist qualifications in one or two areas we have specialist advanced qualifications and experience in every one of these areas and as such we are well equipped to understand how financial decisions in one area impact on all the others.
We consult with businesses large and small in order to advise them on, and then run:
Group Pension Schemes
We run group pension schemes for companies with up to five hundred employees and offer a range of services up to and including individual advice to each member. We advise on both the design and creation of new schemes and the evaluation and improvement of existing schemes.
Group Protection Schemes
We advise on the benefits, and costs, of employee protection policies such as life cover, ‘income protection’ benefits and ‘Key Man’ insurance.
Senior Executive Pensions
We advise on the various considerations to be factored in when building benefits within final salary schemes, such as ‘FURBS’ and ‘URBS’.
For both individuals and businesses we offer specialist ‘General Insurance’ and fine art insurance through TAOI, our insurance subsidiary.
To increase financial awareness amongst those who would not normally benefit from expert advice we offer basic financial planning under the name of ‘The Essentials’.