Typically (although not always) our clients are business owners and their families, either side of retirement and either facing a personal financial transition, such as the sale of a business or retirement, or are simply seeking a second opinion on their current financial plans having already invested their wealth.

100% of our clients have been personally referred to us by other clients or other professional advisers, be that our colleagues at Cooper Parry or other legal and professional firms in the region.

In our experience, having wealth can often create complexity. The broken jigsaw can represent the shoebox of investments, policies and plans that clients have acquired over time without any structure or strategy; or the fact that clients really haven’t taken the time to plan, think about their personal vision and create a financial strategy. Financial complexity can mean:

- Bad past experiences of financial advice

- Too many choices

- Concerns about the economic environment

- Multiple advisers and fragmented advice

- Paying too much tax

- Being disorganised

- Outside your comfort zone

- Too much paperwork

- Not enough time

- Not knowing who to trust

Certainly with clients who are still in business, we find they spend all of their energy on their business and not on their personal situation. In fact, most will have a business plan but don’t bring the same structure and discipline to their personal situation.

In our experience, the four main concerns of affluent clients are:

    1. Wealth Preservation

- Ensuring assets are invested and structured in a way to ensure you have the highest probability of achieving your goals for the lowest possible level of risk and cost.

    2. Wealth Enhancement

- Minimising the impact of taxes, specifically income and capital gains taxes and the effect these can have on your overall wealth. 

     3.  Wealth Transfer

- Finding and facilitating the most tax-efficient way to pass assets to succeeding generations in a way that meets your objectives.     

    4. Wealth Protection

- Wealth Protection is all about understanding the risks you face and how to minimise them. Effectively protecting your wealth against different disaster scenarios through efficient planning incorporating both tax and legal advice, tailored to your exact needs.

We help, through a structured process, in effect lining up the pieces of the jigsaw, creating a personal strategy, simplifying and organising finances but most importantly allowing our clients to focus on life, family, business or leisure pursuits, with the peace of mind that they are on track to achieve everything that is important to them.