Skip to content
We can't fit everything on your screen.Please rotate your device

Candid Financial Advice

"Smaller, friendlier & more approachable"
Our Mantra

For most people, getting candid financial planning and advice should be straightforward, uncostly, and beneficial to future generations.

It is an area that is frequently overly complicated with jargon and can feel inaccessible to clients. However, we offer our advice in plain English…

Contrary to the clichéd industry mantra that “all clients are different,” our experience is that most clients want the same things:

Investment Management

The majority of our private clients searching for personal financial planning advice are quite simply looking to grow their investments whilst taking a suitable amount of risk

Financial Planning

To benefit from ongoing candid financial advice and guidance to support their long-term financial goals and objectives from an assigned personal financial advisor, who is on-hand to offer advice, strategy, and guidance in all areas of personal financial advice.

Our Candid Advice & Planning Process

Our boutique personal financial planning and candid financial advice service begins with us building a picture of your financial circumstances, helping us to understand your personal and financial objectives in detail, and allowing us to discuss your appetite for investment risk. Subsequently, we construct and propose a tailored financial strategy designed to meet your goals. 

At least once per year, we will meet to complete a full review of your financial circumstances and investment strategy, discussing developments and agreeing on any necessary changes to keep your plan on track. 

Naturally, we also look to make effective use of any available tax allowances suitable for our clients, such as ISA, pensions, and gift allowances. We also consider more complex strategies encompassing wealth preservation and estate planning. 

If you’re looking to get in touch with one of our team members and determine if one of our personal financial advisors would be a good fit for you, contact us today. 

Our Services

Pensions

Pensions are often ignored until later in life, as they are (perhaps unfairly) seen to be quite boring! They are, however, arguably the most tax-efficient form of investment and can be an extremely effective way to generate long-term wealth. We do not find them boring! 

Pension rules have changed considerably in recent years and can offer investors significant advantages. In some cases, for example, it is possible to benefit from tax relief of up to 60%. Some pensions are also exempt from inheritance tax (IHT). 

In spite of this, and irrespective of the fact that they often account for a large percentage of an individual’s total invested assets, pensions are often overlooked as part of an overall investment management strategy. As a result, ensuring that they are managed properly is imperative. 

In addition to advising on the setup of new personal pension schemes and the efficient use of contribution allowances, we also find that clients often have several historic pensions that may benefit from being consolidated (in full or in part). 

 

Retirement Planning

Retirement requires planning, no matter your financial situation. Our goal is to provide you with tailored and candid guidance and support for achieving the retirement you envision. 

There is no one-size-fits-all approach; our role is to offer informed advice customised for your unique circumstances and objectives. Whether you seek to travel, spend more time with family, or have flexibility in your schedule, we can help devise a road map to get you there. 

Cashflow Planning

We employ cashflow modelling to help with investment and retirement planning and to assist with the accumulation and decumulation of assets to support your objectives. 

This can show whether or not you are on track for your financial objectives and can help you make informed decisions. This can be reviewed and updated periodically to monitor progress and take account of any changes to your circumstances. 

Savings & Investments

Our goal with savings and investments is to develop a deep understanding of your complete financial picture. 

As a boutique firm, our advisors approach money management as a personalised, candid and collaborative process designed to help you secure your ideal future through financial advice. 

Together, we’ll review and adjust the plan regularly to ensure it evolves with your changing objectives. Our role is to listen, advise, and give you confidence that your finances are structured in the most optimal way possible. 

Tax Planning

Managing taxes can be challenging, especially when your financial situation is complex. 

That’s why our team is here to provide you with customised tax planning support. 

Our experienced advisors work closely with you to understand your unique goals and priorities. With sensitivity and discretion, we explore tax strategies tailored specifically to your circumstances. 

When you collaborate with us, you can feel confident that you are working with advisors who will be by your side, making tax planning a seamless, positive experience. 

Estate Planning

Planning for the future is so important, but it’s something many of us put off. 

Estate planning allows you to thoughtfully decide what will happen to your assets and provide for your loved ones after you’re gone. 

We’ll listen to your wishes and concerns, explain your options in a straightforward way, and help craft a customised plan for you and your family. 

Estate planning isn’t just about money and documents; it’s about the people you love and care for most. 

Let us help you secure their futures while providing you with peace of mind.  

School Fee Planning

The costs of school fees can put considerable strain on family finances. This major expense is comparable to purchasing a home in terms of financial impact. 

Our in-depth understanding of personal finance allows us to take a skilled approach to school fee planning. Our experts help families fund their children’s schooling in a way that saves them money and aligns with their overall financial goals. 

Financial Protection

While we cannot foresee what’s ahead, our team of financial planners can help you protect what matters most: your family, home, income, and future.