Wealth Management Investment
Create and build your investment portfolio
What We Do
People invest for a variety of reasons. However, most are looking to achieve maximum return with minimal risk. Once sufficient cash deposits have been secured, investing in other asset classes is usually the only way to ensure ‘Real Growth’ and protect any capital against the effects of inflation.
We offer a range of strategies incorporating diversified portfolios and tax planning to suit all investors, whether they be more cautious in their risk tollerance, right through to those with an adventurous attitude towards risk.
The journey starts with a free initial exploratory meeting to establish your situation and objectives. We then determine a suitable risk profile by examining both your individual attitude to risk together with your particular capacity for loss.
We offer both Bespoke (tailored) or pre researched Model Portfolio Service (off the peg) solutions targeting passive, active, blended or ethical screening investment remits, whilst being discretionary managed by investment professionals.
We aim to mitigate tax liabilities both current and future by use of your annual allowances and can incorporate Inheritance Tax (IHT) Planning as required.
Your portfolio can then be viewed and monitored online. Additionally, with our ongoing review service, you will receive regular quarterly investment updates, and an annual client/adviser reviews to discuss your ever changing circumstances and objectives where changes can be made to ensure ongoing optimisation and continued suitability.
Any advice will be confirmed in writing, however you should be aware that any investing outside of cash deposit based arrangements could result in the value of your investments going down and well as up and you could get back less than you have invested, dependant on market conditions.
The Financial Conduct Authority does not regulate taxation or trust advice.
Pensions
Saving for Retirement
Whilst the state pension can provide you with a base income in retirement to meet basic needs, the level and timing of receiving this benefit is unlikely to match everybody’s requirements.
Most employed people should also be offered access to an employer sponsored pension scheme. However, contribution levels can be minimal & therefore whether employed or self-employed you may wish to take control of your future and save tax efficiently into an individual pension arrangement. These arrangements allow you to build-up additional funds in a tax efficient manner to help meet your retirement objectives, whether it be early retirement or to provide additional capital and/or Income in retirement.
Whilst anyone up to age 75 can save into a pensions and receive tax relief from the government, basic rate tax relief is usually added at source with any higher rates of tax relief then reclaimed via an annual tax return.
Business owners and higher rate tax payers can also use pension contributions to reduce their tax burden.
Unused pension pots can be passed on to your spouse, partner, future generations or any beneficiary you nominate outside of an individuals estate and can therefore add additional generational tax planning advantages.
As Advisors, we can help you plan contributions to maximise tax efficiency and targeted funding levels to help meet your expected future needs.
You may also have built up pension pots previously. We can examine these arrangements to ensure they conform to your selected investment strategy and any built in costs remain competitive in today’s pension world.
The value of investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation or trust advice.
Retirement Planning
At and During Retirement
The choices an individual faces at retirement are now more complex than ever before. “Should I choose an annuity, income drawdown or uncrystalised fund pension lump sum (UFPLS)?” “Will my spouse & dependents have enough income if I die?”
At retirement you will have to replace your earned income with an alternative income stream. This can usually be achieved via drawing from the pensions and investments that you have hopefully built up during your working career.
Your needs and requirements are likely to change as you progress through your retirement journey, with both committed and discretionary spending needs often altering at different stages during retirement.
As advisers, we are well placed to help you form a strategy to achieve and adapt your retirement goals whilst aiming to minimise any tax liability, ensuring you don’t pay any more tax than you need to.
Finally, we also aim to optimise your arrangements to take into consideration both your own and any dependents changing needs along with generational planning where appropriate.
The value of investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation or trust advice.
Protection
Cover where you need it
Protection Plans are often referred to as the foundation blocks of Financial Planning.
Nobody sets out expecting problems to arise, but those that have taken the time to plan correctly and make provision are immensely glad they did when life throws up complications.
We can help you identify any needs, as well as aid you in understanding the benefits of having suitable protection in place, and when to appropriately use different protection products such as Life Assurance, Critical Illness Cover and/or Income Protection Plans.
The value of investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation or trust advice.
The Advice Process
What to expect
When you contact St Georges Financial Services we will have an initial phone conversation to ascertain what you are looking for. If we can be of assistance, we will arrange a free intitial consultation the cost of which is on us to be held in our offices on the Fordingbridge High Street, or in the comfort of your own home, whichever you prefer during working hours.
We provide unbiased advice, within a restricted range of products that we believe are relevant to our clients and their needs, with a view to protecting and enhancing our client’s wealth and sense of well-being. These include protection policies, personal pensions, and investments, but do not include what we consider to be higher risk products for more sophisticated investors.
The initial meeting with one of our financial advisers will aim to discuss our advice process and the costs involved, provide you with the opportunity to ask questions and understand how we can help you and to establish what your financial needs are. You only pay if you want to proceed.
Analyse Data, Review, Research Solutions & Advice / Plan Recommendation
We will undertake an assessment of your circumstances to establish your financial planning needs using the information gathered at your initial consultation. We will carry out research to identify suitable solutions to match your specific requirements, recommend an investment model to match your identified attitude towards investment risk as well as assess the suitability of any existing investments. We will then provide you with a written plan and present any recommendation.
Arranging & implementation of your plan
Should you wish to proceed with our recommendation, we will handle all administration on your behalf, keep you updated as to progress, ensure all documentation is issued in line with your expectations.
Ongoing advice
As your personal situation and financial objectives change over time, we believe it is important to ensure your portfolio remains not only up to date, but the advice we have initially provided remains suitable. We will monitor your portfolio on a regular basis providing quarterly updates. We will also meet with you each year to re-assess your current circumstances, update our advice and make changes to your plan should it be deemed necessary. You will also have access to an advisor throughout the year to provide ongoing support with correspondence, administration issues and answer any queries you may have.
What Next?
Call us on 01425 653654 for your initial consultation