Living life by design

Our financial planning service

Financialsense® is a complete money concierge service for materially successful individuals who are often too busy working or living to manage their own financial affairs, or matters have become too complex.

It is guaranteed to:

Identify your life objectives and priorities.

With such clarity, ensure all of your financial resources are all mobilised to achieve these objectives that often includes achieving a desired future lifestyle or maintaining one, all documented within a strategic financial plan.

Saves you time by taking things off your desk and to do list.

Get you financially well organised.

Improve your financial performance.

Help you to live life with greater financial confidence and peace of mind.

Act as coach and counsel, to help with decisions, to be your critical friend, something we call "Carefrontation".

To motivate (or where necessary nag) you to get things done.

Key benefits of Financialsense®

Comprehensive Financial Planning

Financial Life Planning is simply managing your wealth in accordance with the life you want to live and ensuring that all of your financial decisions and financial resources are focused on you achieving your life goals.
Our process will help you to define your life goals, that will provide us with the understanding and capability to build your personalised financial plan that will identify issues and opportunities, provide you with a planning strategy that will include budgeting, future cash flow analysis, and a detailed analysis of all your financial affairs.

Structured Regular Reviews

Covering all areas of financial affairs to ensure your financial plan remains on track and hold you accountable to your life goals.

Portfolio Advisory Service

Ongoing portfolio management through Portfoliosense®, a proven, low cost, 'honest' investment strategy that has consistently delivered outperformance, to include portfolio design, portfolio management, behavioral finance support (stopping clients doing dumb things at the wrong time).

The Pension & Retirement Service

To ensure your pensions strategy is suitably managed, taking advantage of the new freedoms, and consideration of the complexities surrounding the Lifetime Allowance and Annual Allowance rules, while supporting you with advice and solutions in relation to your pre or post retirement financial strategy – helping you to get your head out of work and into life.

The Priority Response & Prompting Service

Reacting promptly to your needs and concerns and prompting you where necessary to ensure important things get done.

The Financial Information Service

Regular financial commentary plus invitations to our financial & lifestyle workshops.

The Taxation & Estate Planning Service

Tax optimisation and mitigation service, helping to transfer wealth to younger generations and mitigate Inheritance Tax.

The Professionals Service

Working with your existing professional advisers or where necessary recommending a professional from our trusted network.

Family Support

Providing financial advice to close family members, including education funding and planning for parents of clients in need of care support.

Special Needs Planning

• Trusts
• Charitable giving/philanthropy
• Business Owner Planning through Businesssense®
• Business Succession Planning
• Career & Retirement counselling
• Share Option Planning

How this works in practice for potential new clients can be seen in Our Approach.

General Investment Risk Warnings

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested. All investments carry an element of risk which may differ significantly.

If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice. Tax rules may change in the future and taxation will depend on your personal circumstances. Charges may be subject to change in the future.

Specific Portfoliosense® Risk Warnings

For each of the portfolios we recommend we are able to demonstrate, using back tested simulated data, the historic returns, the anticipated future returns (allowing for inflation) and the historic downsides (including the worst case scenario that would have been experienced had you been invested throughout the data period), over a variety of time periods.

General Legislative Risk Warnings

This is based on our current interpretation of legislation and various industry comments. It is a broad summary and cannot cover every nuance. You should not take, or refrain from taking any action based on this information. Tax treatment can change and depends on your circumstances. This information does not constitute advice and is purely for information purposes.

The views noted may differ significantly from the final version of the legislation.