Wealth plan

Peace of mind and direction in decisions about your wealth

Decisions about wealth are rarely purely rational. They're also about what suits you, how much risk you're comfortable with and how your money supports the life you want. A wealth plan brings clarity – not by chasing “more”, but by focusing on what's right for you.

Wat is a wealth plan?

A wealth plan isn't just about where your money is invested, but about why: what is your wealth for, and how does it fit into your life? Using scenarios, we show you what today's choices mean for your future – and what happens if nothing changes.

Without a plan, it's easy to make decisions on gut feeling. You may take on more risk than you need to, or find your money tied up just when you need it.

Together, we look at:

• your current wealth and how it's structured: savings, investments, pensions, business assets and property;
• your short and long-term goals, such as financial independence, additional income, major purchases or passing wealth on to the next generation;
• how you feel about risk and uncertainty;
• your choices around saving, investing and wider investments, matched to your time horizon;
• a wealth strategy for now and for later.

The outcome is practical

You'll know how much risk you actually need to take, how much of your wealth should stay accessible, which approach suits you (cash savings, investing yourself or discretionary management) and which choices will give you peace of mind, even when markets are volatile.

If handing over the day-to-day management makes sense for you, we'll help you open an account with a wealth manager that fits your strategy, your budget and your preferences. We work with a small number of carefully selected firms and always present you with a suitable choice. You're free to choose a different route.

How it works

We start with your situation and the questions on your mind, not with products. We separate what matters now from what can wait, and turn complex questions into clear choices. Your plan is an anchor, not a straitjacket. We're independent and don't receive commission from anyone.

1. Introductory meeting. We talk through your question and your circumstances, and agree which fee applies to you.
2. Proposal and agreement. We send you a proposal. Once you're happy with it, you sign the agreement online.
3. Your information. You share your details and documents online, step by step. We only ask for what's relevant to you.
4. First meeting. We discuss where you are now, and your hopes, wishes and plans for the future.
5. Analysis and plan. We bring everything together and prepare your wealth plan.
6. Advice meeting. We take you through your plan and agree your next steps.
7. Putting it into practice, if you wish. We help you open an account with the wealth manager that suits you.