Bespoke financial planning

Building your wealth is a long-term undertaking, so it makes sense to prepare a long-term plan, that you can revisit and review over the years as your circumstances and market conditions change.

Juggling the micro and macro issues of financial planning can be a complex and time-consuming process, and small changes relating to financial products, tax-efficient vehicles, timing of investments, inflation and market movements, can have a material impact on the success or failure of a long-term plan. If you can strike that delicate balance between meeting your immediate commitments whilst still taking advantage of the long-term opportunities then you'll probably sleep better at night.

Understanding your situation – bespoke planning

Your circumstances, priorities and goals are unique. We'll take the time to understand your situation with careful analysis of your essential outgoings, commitments, income, assets and investments, and with our expert knowledge we can help you make a plan for growing your wealth.

Empowering you to make choices – cashflow forecasting

Cashflow forecasting can be an efficient tool to provide an overview of your current situation, and to project how that might change over the coming years and decades. You can plot every aspect of your finances, layered with intelligent assumptions about influential external factors such as inflation and investment returns. Our software paints a picture of your wealth over time. You'll see at a glance whether you are on track to achieve your financial goals, or if you need to consider adjustments.

Since the 2008 financial crisis, some investors have become cautious about taking risk. Cashflow forecasting can help you establish how much risk you need to take. Setting aside enough to reach your essential goals, may give you the freedom to take more risk with your other assets. Our investment managers can create a bespoke portfolio that balances your risk requirement and your appetite for taking risk. For some clients this may mean having to take more risk to meet their long-term income requirements, and for others it may mean taking less risk as it's not necessary to reach their goals.

At Smith & Williamson we take a holistic approach to managing your wealth. Our planning, investment and tax teams can work closely to ensure every element of your portfolio is well looked after.

Get in touch

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.

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.

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