If you want to discuss how we can help take care of your finances, and ensure you make the most of your money today, complete our contact form and a member of our team will be in touch.
Our priorities have changed little over the years. We still provide food and shelter for our families. We stretch ourselves to get the best for our children. And we care for our parents in old age. But for many, today’s world includes school and university fees, large mortgages and mounting care home costs. It makes sense to think about how your finances can go further to meet your plans. And how you might support your family if the worst were to happen. No one wants to consider such things. But making provisions today can ensure your family is supported if you were to fall ill or pass away.
Provision for the young and old
Rising university debt and expensive housing has made financial independence more difficult to reach for our children. Graduates are expected to finish university with debts of more than £50,000 and will spend on average 7.6 times their earnings buying a home, compared to just 3.6 times in 1997*. It’s no surprise that many parents are stepping in to help – 84% of high net worth individuals believe it’s important to help their children with university fees**.
70% of the UK’s private wealth resides with the over 55s, but longer life expectancy brings new challenges. Clients ask us if they will have enough capital and income not just for retirement, but to cope with the escalating costs of later life care.
For the young and young at heart in your family, having the right financial strategy could make a difference.
*Office for National Statistics 08.05.2018
** Independent Smith & Williamson research 2017
What to consider when supporting your family
Does my wealth manager understand my family’s unique needs?
You’ll get a personal service tailored to your goals and obligations. A service designed to help you make the right decisions to protect your family’s interests.
What financial planning do I need to think about?
We’ll handle that. Our joined-up approach means you’ll have access to specialist advice from senior staff across the business. We have in-house investment management, tax advice and financial planning. This means we can provide you with a complete plan, that takes into account your financial situation, tax liabilities and attitude to risk.
How do I know my money is working for my family?
From complex financial reviews to advice on pensions, our goal is to ensure your capital is working hard to support your family’s future.
Get in touch
We can help you take care of your finances, and ensure you make the most of your money today with the support of our wealth management experts.
How we can help
How we work with you
Unique holistic financial plan
We consider your investments, tax and financial planning when drawing up a plan to support your family.
We can advise on protection products such as life assurance, critical illness cover, long-term care and permanent health insurance.
We’ll advise on the appropriate policies and investments to help meet your needs
We can take care of setting up and administering your plan.
Please remember investment involves risk. The value of investments and the income from them can fall as well as rise and investors may not receive back the original amount invested. Past performance is not a guide to future performance.