TIME IS THE ULTIMATE LUXURY
TIME IS THE ULTIMATE LUXURY
Elevate your future by investing in it wisely
Our partner to growth
WEALTH BUILDER
We offer a service for those clients that we consider to be aggressively accumulating assets or just starting out on their investment journey. This may also include those clients who consistently refer other clients to us, who have a high level of mortgages or protection – for example BTL portfolios with recurring remortgages.
LIFETIME CLIENT
Individuals where there is a need for a core regular system of reviews and valuations to ensure that investments are annually reviewed and re-assessed for an increased likelihood of achieving objectives.
PREMIER WEALTH (Virtual Family Office)
Clients with more complex portfolios which may include specialist investments such as trusts or who need greater priority access and contact. This level of service also includes intergenerational planning, allowing your immediate family to benefit from an enhanced service.
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Business OwnersOrganisation and accountability Investment management Expenditure review, analysis and management Shareholder/key man insurances Corporate/personal pensions Tax efficient investment strategies Business contingency planning Retirement and income drawdown Family planning – advice on wills Special purpose vehicle Family investment companies Trust Private Equity Alternative
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Sports and Media ProfessionalsOrganisation and accountability Investment management Expenditure review, analysis and management Specialist insurances Liaising between professionals (single point of contact) Property advice – mortgages, buy to let portfolios, overseas property Image rights companies Tax efficient investment strategies Post-career planning Retirement and income drawdown Family planning – advice on wills, prenups Special purpose vehicle Family investment companies Trust Private equity Alternative investments
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Retirement Planning Health CheckHow much need you need to save Estimating annual retirement expenses Annuity vs Drawdown UFPLS Pension consolidation Assessing sources of income (Social Security, pensions, annuities) Withdrawal strategy from retirement accounts (ISA, National Savings, Shares, Cash) Equity release Planning for inflation and cost-of-living adjustments Evaluating potential part-time income or consulting work Adjusting asset allocation for lower risk Diversification to protect against market volatility Rebalancing portfolio periodically Considering the impact of Required Minimum Distributions (RMDs) Tax-efficient investing and withdrawal strategies Estimating health care costs (long-term care) Updating wills and trusts Designating beneficiaries for retirement accounts and life insurance Planning for potential estate taxes Power of attorney and health care directives Understanding the tax implications of retirement income sources Strategies for minimising taxes Planning for changes in tax laws Charitable giving strategies to reduce tax burden Determining retirement goals and aspirations (travel, hobbies, relocation) Budgeting for discretionary spending Planning for potential changes in lifestyle or unexpected expenses Reviewing and updating insurance coverage (life, health, property) Planning for unexpected events (market downturns, health issues) Evaluating the need for an emergency fund in retirement Deciding when to begin State Pension benefits Evaluating the impact of spousal benefits and survivor benefits Coordinating Social Security with other retirement income Understanding pension options Assessing and planning to pay off existing debt Avoiding new debt in retirement Considering refinancing options for lower interest rates Staying informed on changes in retirement laws and regulations Understanding the impact of changes in the government budget Planning for charitable donations and bequests Considering donor-advised funds or charitable trusts Communicating legacy plans with heirs and beneficiaries
