Cash flow modeling

The first stage is to identify how much money you have, how much you will need and when, then work out what has to be done to get you from A to Z.

As well as producing a lifetime cashflow projection, we’ll also identify the hurdles you’re likely to encounter and establish strategies and tools for dealing with those problems, whether they be poor investment markets, the need for private medical care or paying for nursing home fees.

We will also look at the other side of the coin and explain to you how you can capitalise on opportunities that come your way and how best to manage the wealth and assets you accrue as you get older.

Achieving your financial goals is not just about saving and investment.

Tax reduction

Almost every portfolio we take over we make more tax efficient. All financial advisers understand the basics of taxation but it takes careful planning to substantially reduce the tax liabilities associated with a lifetime of investing.

Income planning

A key aim is to maximise your income whilst minimising your tax. Income is usually defined as “money you receive regularly”, but from the taxman’s point of view, “income” is taxed differently to “regular capital withdrawals”. We will use a mixture of income from investments and your core capital to meet your income needs in the most tax efficient manner possible.

Future capital

You may know that you will need a certain lump sum at some time in the future, perhaps to pay off a mortgage or to buy something really special. We might suggest that you set up an investment that provides a fixed rate of return, with a maturity date that coincides with the date you will need the capital sum.

Pension planning

Despite the relatively recent attempts to simplify pension planning, the options for accumulating and drawing down a pension remain diverse and complicated. If you don’t yet have any pension plans in place, we’ll take the time to explain to you exactly what can and can’t be done. And as pension transfer specialists, we can review all of your existing arrangements including occupational pensions.

We can advise on Stakeholder Pensions, Self Invested Personal Pensions, Pension Fund Withdrawal, Alternatively Secured Pensions and, of course, Annuities.  Irrespective of the ‘wrapper’, we can help you set up the right investment strategy, after all a pension fund is basically a very long term investment, which benefits immensely from specialist investment management skills.