Helping you with your financial strategy

Our clients were in their mid-40s when they initially contacted us for financial planning advice some 15 years ago.  At that time, they had two young children, aged 6 and 8.  They owned a small manufacturing business that they had built up from the ground.  The business had been growing steadily and had started to provide them with a solid income and a relatively comfortable lifestyle for their family.

At that time, they had begun to think about their future retirement goals and were keen to ensure that they could support their children with their education and get onto the property ladder with a reasonable level of deposit.  Our clients were confident that their business would continue to grow, however, they were concerned that should it not perform as they had hoped, it could impact on their retirement goals and the financial wellbeing of their children.  They were therefore keen to identity ways in which they could begin diversifying their savings and investments beyond the business.

Creating wealth

We worked with them to implement a strategy of which over the years that followed, enabled them to extract profits out of their business tax-efficiently and provide a balance of business and non-business assets.  The strategy included maximising pension and ISA contribution allowances, as well as utilising other tax-efficient investments such as Venture Capital Trusts (VCTs).  In terms of their children, Junior ISAs were established with a view to using the funds to provide for needs such as a deposit for a property and funding Junior Self-Invested Personal Pensions (SIPPs) to help provide towards their longer-term financial security.

Growing your wealth

By contributing regularly to personal investments, our clients began to build a more stable financial foundation for them and their children, independent of their business performance.

Financial freedom

They have since sold their business and are now enjoying a comfortable retirement without money worries.  They also have peace of mind that their children received the education they desired and are in a position to put a deposit down for their first property purchase when the time comes.

Our holistic service

The investment strategy continues to be reviewed regularly with our clients and adjustments made to reflect factors such as changes in budgets, legislation, investment time horizons and their attitude to investment risk.

Intergenerational financial planning