We collaborate with solicitors, accountants, corporate finance professionals, mortgage advisers, will writers & estates professionals.
Select your profession to see how we can help:
A financial settlement can significantly change a client's circumstances. They may suddenly be responsible for assets they have not previously managed, or need to consider pensions, investments, property and future income.
Once the legal work is complete, they may still ask:
This is where we can add value.
Cash flow planning can project their finances into the future, considering income, expenditure, savings, investments and pensions. This helps them understand the lifestyle their settlement could support. We can also review investments and pensions, including tax allowances, structure and risk.
The aim is not simply to tell a client what to do, but to give them clarity and confidence about how their financial resources can support the life they want to lead.
We build on the advice accounts give on business tax, remuneration, succession planning or preparing for a future sale by assessing what these decisions mean for a client's personal finances.
A business owner may have built significant wealth within their company but want to understand how to transfer it into personal wealth. They could be considering a future sale without knowing what they need for financial independence, or how business assets, pensions, investments and expenditure fit together.
We can model different scenarios, explore future income requirements and help clients understand what to do to achieve their longer-term objectives.
Where specialist tax or legal support is required, we work alongside the client's existing advisers, giving clients a joined-up approach with each specialist contributing their expertise.
We build on your advice by helping clients understand what the outcome of a deal means for their wider finances.
Using cash flow planning, we bring together sale proceeds, existing wealth, income and future plans to show how this impacts their lifestyle and financial independence. This helps people make informed decisions on how much they spend, invest or retain, and the scope of their goals.
By bringing this perspective into the conversation, you can offer clients a more joined-up experience beyond the deal itself. We work alongside you to help them make the most of what they have achieved, with greater clarity and confidence about what comes next.
A mortgage can be one of the biggest financial commitments a client makes, but it rarely sits in isolation from the rest of their finances.
You may be helping a client purchase a home, remortgage, release equity or plan for a future purchase. We add another perspective by considering how the mortgage fits with their wider financial goals.
A client may be weighing up how much to borrow alongside pension contributions, investments, savings and longer-term plans. They may also be approaching retirement and need to understand how their mortgage will affect future income needs.
Our cash flow planning can illustrate different scenarios and how borrowing affects future affordability, helping clients see whether their mortgage remains sustainable as circumstances change.
We can work in partnership so mortgage advice and financial planning are considered together, while keeping each professional's role clearly defined.
Putting a will and powers of attorney in place is an important opportunity to consider more than the legal documents themselves.
For many clients, it prompts them to think seriously about what they want to happen to their wealth, both during their lifetime and after they die.
A financial planning review explores questions such as:
Estate planning is about finding a balancing between enjoying life today, maintaining financial security and passing on wealth in line with the client's wishes.
This connects the financial arrangements behind the documents with clients' longer-term plans.
An informal discussion to understand your financial goals and objectives.
Discuss any questions you may have such as 'when can I retire?' or 'Are my arrangements tax-efficient?'.
Gather & analyse information/existing advice on current policies, investments, pensions, protection plans.
Devise a financial plan including an investment strategy, cash flow plan and protection.
Setting up investments with providers.
Completing documentation.
Processing applications.
Ongoing access to your financial planner and dedicated support team.
Regular review meetings to assess the financial plan.
'Check-ins' and financial guidance for family members.
