Our long-term approach
Like all our services, our Wealth Planning begins with your needs and ambitions, always with an eye on how they may change over time.
We don’t just manage investment portfolios; we will consider how we can apply all of our resources to help you plan with the bigger picture in mind. We are able to help navigate the complexities of tax efficient investment structuring, pension planning, Inheritance Tax and estate planning to ensure your legacy is seamlessly passed down to future generations.
Regular meetings with your Client Advisor and Wealth Planner help us to ensure your plan is up to date and always ready for whatever challenges and opportunities come along. It’s this rounded and long-term approach that sees us looking after the needs of families for generations.
Our services cover:
- Investment structures & tax efficient savings
- Retirement planning and pensions
- Estate and inheritance planning
- Lifetime cash flow modelling
- Family protection - through our external partners*
Comprehensive retirement planning
Our advice goes beyond the here and now. Your pension fund is a very valuable asset and we provide comprehensive solutions for your retirement. We can advise on scheme suitability and contribution strategies, plus other options to make the most of your pension.
Helping you achieve what you want from your wealth is one of our core objectives, and we’re able to advise on tax-efficient savings, while retaining the level of cash flow you require for your lifestyle.
The tax and regulatory landscape often changes and we know your financial circumstances and priorities may also change. As your wealth management partner, our Client Advisor and Wealth Planners will meet you regularly to advise on how best to structure your affairs.
How we can help you
Whatever your situation, we help you plan for a prosperous future. We help you:
WHY YOU SHOULD PARTNER WITH US
We put you first
You are always at the heart of everything we do and we are here to meet your needs.
Whatever advice we give, and whatever actions we take are done with your best interests in mind.
Our Alternative Investment Market (AIM) Portfolio
We provide specialised advice and services that can potentially shelter part of your estate from inheritance tax. Our AIM Portfolio is made up of a diverse range of carefully selected companies that meet our strict investment criteria. With our AIM portfolio, you are able to retain control over your assets and the income they earn and we aim to provide capital gains as part of your overall inheritance tax plan.
What is the difference between Wealth Planning and Investment Management?
Wealth Planning involves building a relationship with our clients to completely understand their goals and objectives; their financial circumstances; and how they see their future unfold. This information gives us the ability to provide the best tools and a suite of services to a client, including pension planning, tax-efficient savings, and Investment Management.
Investment Management is the service of managing a portfolio of investments, for example, stocks, bonds, funds, private equity and commodities, aiming to achieve agreed goals such as capital growth. Investment Management is most effective when working as part of an overarching wealth plan.
Do you provide Inheritance Tax (IHT) planning services?
Yes. We provide advice on all aspects of our client’s financial situations, we can help assess any potential IHT liability and provide general advice regarding the options that help mitigate and/or pay the liability. We normally work with a client’s tax adviser to maximise the effectiveness of IHT planning. Where required, we can introduce a client to an appropriate tax specialist.
What can I expect from your Wealth Planning service?
We create a dedicated wealth plan tailored to the needs of each client to reassure our clients that their money is being managed professionally and within the right financial framework. Our dedicated Wealth Planners will make sure each client has a long-term plan with an efficient investment strategy to manage their overall wealth. Our Wealth Planners will encourage you to think about planning for your retirement, efficient ways to pass on your wealth and how to guard against unexpected risks.
What areas of Wealth Planning do you advise on?
Your dedicated Client Advisor and Wealth Planner can advise on Investment structure and tax efficient savings, retirement and pension planning, estate and inheritance planning, lifetime cash flow modelling and family protection, through our external partner.
Since moving to Brown Shipley, we have found a great level of personal service. Any questions we have are answered almost instantly and review meetings are arranged at a time and place to suit us. We are confident our wealth is in great hands.
*Subject to qualifying criteria.
Our Wealth Planning Service can involve investing your capital, which places it at risk. Investment risk means that the value of your investments or any income can fluctuate and you may not get back some, or the entire amount invested. We recommend that you seek professional tax advice to understand your personal tax liabilities. This will depend on personal circumstances and the prevailing tax rules, which are subject to change.
Tax planning is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
IHT rules of England & Wales are subject to change.