P&B Wealth Planning were established to offer holistic financial planning advice to clients who value lifetime planning for present and future needs and goals. It may be that the client has already accumulated their wealth or sold a business and wish to know how best to structure their assets to preserve capital, reduce tax and possibly pass on hard earned wealth to the next or future generations.
Whether you are investing for income, growth or simply looking to preserve the capital value of your investment, we will help identify the most appropriate portfolio mix and investment strategies to meet those needs. We use state of the art financial planning tools to help you understand your risk tolerance and capacity for loss, ensuring that you are always comfortable with the level of investment risk undertaken.
In addition to general financial planning we have specific expertise in pension and retirement planning (including advice around pension transfers). Whether you are just starting your working life or approaching retirement, we will guide you through the complex choices you may have to make when funding for your retirement. Retirement planning is not just limited to pension plans, and will include many other tax and investment strategies.
Taxation can be very complicated and the rules, reliefs and allowances often change. Our clients turn to us and our services to help them with this essential part of their finance planning, knowing that it can leave family members and loved ones paying significantly more in tax than necessary. We provide comprehensive tax planning advice to help mitigate those tax liabilities so that they are able to retain more of their assets and pass wealth onto the next generations.
As a team, we have a wealth of experience and specialism across a wide range of financial planning areas, having worked for some of the largest and most reputable institutions including banks, life assurance companies and discretionary fund managers. We are able to put you in touch with other professionals such as accountants and solicitors to enhance the overall efficacy of any planning.
We believe that using state of the art cashflow modelling to identify key targets, goals and needs is an excellent tool to show either what is needed to meet your requirements or whether your existing wealth will sustain expected needs such as income into the future. This helps visualise and plan wealth in a much easier to understand way, bringing it to life.
P&B Wealth Planning will analyse your risk profile and capacity for loss as well as your views regarding any ethical, geopolitical or currency requirements. We would then suggest a suitable portfolio to meet your needs. This would be monitored and reviewed in line with our agreed strategy on a regular basis.
Investments can be held in a number of tax wrappers such as ISA, Pension (SIPP), Insurance Bonds and others. This can have a massive impact on the amount of tax paid. P&B Wealth Planning have extensive knowledge and expertise in this area and will look to structure your wealth in the most efficient way possible to help minimise the “tax drag”.
Whether it’s accumulating wealth for your retirement or looking to withdraw money to sustain and enjoy it we can advise you how best to meet your objectives. We will review any existing arrangements including any occupational pension schemes to ensure that they are appropriate for your retirement purposes or whether it may be beneficial to transfer to your own arrangement and consolidate your pension plans.
Estate planning is principally about safeguarding and passing on more of your hard earned wealth to future generations. There are many things to consider when looking to assess suitable estate protection strategies for you and your family. It may be that you would like to leave a legacy under your will, create trusts to protect beneficiaries’ inheritances, avoid probate and ensure your estate passes to the right people at the right time.
Even the best wealth creation strategies can be ineffective if they are not supported by a back-up plan. Building or preserving your financial strategy without adequate protection is like building a house without first laying solid foundations. Choosing the right type and amount of insurance can help to make sure that if anything untoward were to happen, you and your loved ones would be looked after.
For no obligation, free initial consultation, please contact us using the link below.
