Post-settlement financial planning
Our team of independent financial planners provides flexible and imaginative solutions that combine a range of different financial elements to produce a complete, cohesive investment strategy.
We work closely with clients, as well as their families (and receivers/deputies and trustees where appropriate), to ensure that our advice is based on the individual needs of each client.
How does it work?
We begin by finding out as much about each client as possible to generate an in-depth report. This is based upon a complete picture of each client's needs, rather than just the investment need, and means we can:
- Choose the optimum balance between generating income and generating growth
- Select the most tax-efficient structure
- Select the most appropriate level of capital protection
- Advise on all aspects of the client's financial position
Implementation and monitoring
Our advisors consider the level of investment risk required to meet income and spending needs and decide how to spread a client's money long term across different asset types including:
- Court of Protection Special Account (where applicable)
- Bank Deposits
- National Savings including Premium Bonds
- Government and Corporate Bonds
- Property
- Equities (UK & International)
- Commodities such as oil and gold
We will use a range of products (collective investments) such as OEICs and Offshore Investment Bonds in order to manage and where possible mitigate tax.
Our plan will project how income will be produced over the coming years and will be updated each year.
A discretionary approach
We use a discretionary investment management approach. This means that once the investment profile and portfolio/asset mix is agreed, our Investment Management Team will make investment decisions for each client for each individual transaction. Acting within the agreed parameters, this allows us to manage the portfolio on a daily basis, making instant decisions and taking advantage of any opportunities as they arise.
Click here for more information about our post settlement services.
