Our financial planning service

Financialsense® is a complete financial planning service for successful individuals who are often too busy working or living to manage their own financial affairs.

According to our clients, the real value of our service is not in saving tax or investment management (although these are of course a big part of what we do) but in the non-tangibles such as:

Top Ten Services our client’s value

Helping them to visualise their future, their life objectives and priorities by creating their Financial Plan

Saving them time (something they can never get back) by taking things off their desk and to-do list

Preventing expensive mistakes (sometimes called financial coaching)

To simplify their financial affairs and keeping them organised

Helping them to live life with greater financial confidence and peace of mind

Act as coach, counsel and critical friend; something we call "carefrontation" – our clients sounding board

Motivating (or, where necessary, nagging!) to get things done

Acting as a hub across various professional advisers such as lawyers and accountants

Providing ongoing education both for them but also their children resulting in multi-generational planning

Being ‘the number on the fridge’; the second person their wife/husband/partner/son/daughter would call in the event of a disaster. I don’t think there is a bigger compliment than that!

Key benefits of Financialsense®

Comprehensive Financial Planning

Financial planning is the process of managing your wealth in accordance with the life you want to live. It ensures all your financial decisions and financial resources are focused on you achieving your life goals.

Structured Regular Reviews

Our reviews will cover all areas of your financial affairs to ensure every element of your plan remains on track. This will simultaneously keep you focused; holding you accountable to your life goals.

Portfolio Advisory Service

We use an ongoing portfolio management service called Portfoliosense®: a proven, low cost, 'honest' investment strategy that has consistently delivered outperformance. This includes portfolio design, portfolio management and behavioural finance support (stopping you making poor choices).

The Pension & Retirement Service

To ensure you can enjoy your ideal retirement lifestyle, we take advantage of the new freedoms and consider the complexities surrounding the Lifetime Allowance and Annual Allowance rules. We support 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

We’ll react promptly to your needs and concerns, reminding you, if necessary, should important things need to be completed.

The Financial Information Service

We send you regular financial commentary, as well as invitations to our financial and lifestyle workshops.

The Taxation & Estate Planning Service

Our tax optimisation and mitigation service will help you to transfer wealth to younger generations and mitigate Inheritance Tax.

The Professionals Service

We’ll happily work with your existing professional advisers or, where necessary, recommend a professional from our trusted network.

Family Support

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

Special Needs Planning

If you have complex financial planning requirements, we can help you with:
• Trusts
• Charitable giving/philanthropy
• Business owner planning through Businesssense®
• Business succession planning
• Career and retirement counselling
• Share option planning

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

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.