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Change can come at any time in your life and can take many forms: receiving an inheritance; selling your business; the arrival of your children or grandchildren; or making the big step into retirement. Whichever situation you find yourself in, it’s important to make the right choices to achieve the best long-term outcomes for everyone.

In all the excitement of opening a new chapter in your life it can be difficult to focus on making financial decisions. That's why the support of a trusted and experienced Financial Planner is crucial at such times. We help you take stock of your personal and financial situation and move forward in the right direction, confident that you and your loved ones are looked after and provided for.

£78,000: The optimal annual income level for life satisfaction in Western Europe.

* University of Virginia and Purdue University, 2018

A busy seaside town

Our areas of expertise

  • Receiving an inheritance

    It is often the case that coming into an inheritance brings as many pressures as it does benefits. As well as feeling conflicting emotions, you may find yourself bewildered by the number of financial decisions that a windfall presents. Our experienced Financial Planners will guide you through the options and ensure that your new wealth works in your best interests.

    Selling your business

    For successful entrepreneurs, the sale of your business can prompt mixed emotions. The genuine sense of achievement can be tempered with a feeling of loss and lack of direction. While you explore options for your next challenge, our team will help you invest the proceeds from your exit to preserve and grow your wealth.

    Family upheaval

    Divorce, widowhood and long-term illness are among the most devastating and stressful events in life. It can be hard to concentrate on important financial issues when you are feeling upset and bereft. Our Financial Planners can support you during these difficult times, helping you plan for a sound financial future and letting you move on with life.

Planning for life-changing events

Whether positive or negative, the stresses and challenges of coping with major life changes can leave you feeling adrift and bewildered. Our Financial Planners understand how change can affect you and know that clear processes can be very helpful in making sense of your changed world. They will take you through our planning process so that your new goals and needs are fully addressed financially. Here’s how it works.

  1. Step One

    Understanding your situation

    You play the key role in the Financial Planning process; we will take the time to discuss what your current financial position is and ultimately what you want out of life. Once we fully understand you only then will we put a plan in place to set you on the path to achieve this.

  2. Step Two

    Determining what you need to do

    Once we have a clear understanding of what your circumstances are, we will work with you to prepare a sensible plan that captures all your ambitions and prioritises your needs.

  3. Step Three

    Putting your plan into action

    When we have determined how best to structure your finances to meet your objectives, we will put your plan into action and set you on the path of working towards your goals.

  4. Step Four

    Continually reviewing it

    We will then stay beside you on your journey, making any necessary adjustments to your plan as the economic environment, your circumstances, or your goals change. It is very much an ongoing process, focused on helping you use your available resources to get what you want out of life.

Ready to have a conversation?

We’re now part of Rathbones. If you’d like to have an informal, no obligation conversation or have any questions, please get in touch.

Elderly couple smiling at each other on a windy coastal lookout
John & Kath, North-West

Since embarking on our investment journey, Christopher and the wider Financial Planning team have supported us in building a financial plan to provide us with an income in retirement and inheritance tax planning.

Frequently asked questions

Still looking for more information? You might find the answer to your question here.

  • What should I do now that I’ve sold my business?

    Successful entrepreneurs who have just exited need time to adjust to their new way of life. It’s important to be emotionally and financially prepared for your next adventure, whether it’s on the golf course, with the grandchildren or in the boardroom.

     

    As your priorities shift, it’s important to consider how you want to apply your time, money and energy. While you do so, we can help you adapt to your new wealth, structuring your sale proceeds in the way that best meet your requirements.

     

    Find out more about life after selling your business

  • Is it normal that I feel a bit bewildered by my inheritance?

    Inheriting a considerable sum can often provoke a real mixture of emotions. You may be grieving the loss of a loved one, or even feeling guilt, at the time of your windfall. Such reactions are commonplace and natural, but they leave you vulnerable to poor decision-making.

     

    Our Financial Planners are experienced in handling such delicate situations sensitively. They can give you good advice on how to best use your new wealth for the long-term benefit of you and those closest to you. Minimising your IHT bill is at the heart of the strategy. Given that the current rate of IHT is 40% on all assets above your tax-exempt personal allowances, the savings from a properly conceived and executed estate plan can be considerable.

     

    Using your inheritance wisely

  • My late partner looked after our finances. Can you help me?

    It may be the case that one particular partner tends to handle the money in a relationship. When you are feeling the pain of bereavement, you can do without the stress of unfamiliar and complicated financial paperwork.

     

    When you are ready, we can guide you through the issues that need addressing immediately and make sure your short-term financial needs are taken care of. Once you are in the right frame of mind, we will review your finances and create a plan that helps you to move on with your life.

     

    Get in touch

  • When should I consult a Financial Planner about my divorce?

    Thinking about the financial aspects of divorce may seem secondary at a time of great emotional upheaval. While it can seem daunting, the sooner you contact a trusted and experienced Financial Planner, the better, especially if children or dependants are involved.

     

    We can guide you on important issues from valuing your assets to helping you devise a financial plan that takes account of your needs. We can also arrange to structure and invest any lump sum you may receive in settlement so that it works as hard as possible for you.

     

    Take control of your finances after divorce

  • How much money will I need for long-term care?

    Whether you are suffering from illness, serious injury or the effects of old age, being able to afford the right care is paramount. Your care options could range from entering a residential home to round-the-clock specialist medical care.

     

    Our expert Financial Planners will be able to help you decide on the best approach for you with a focus on having sufficient income to meet your anticipated needs. We can also advise on investing injury compensation to provide an income in years to come.

     

    Discover how to make long-term care affordable

  • Why should I choose you?

    As an established and respected wealth management company, we have a long and distinguished history in providing excellence in customer service. You’ll be personally looked after by a dedicated team made up of highly qualified Financial Planners, many of whom are accredited Chartered Financial Planners.

     

    Our job is to offer you a service of the highest possible standard, delivered by high calibre people with expertise and integrity. It is as simple as that.

     

    Why us?

  • Do I have to pay for an initial consultation?

    Our Financial Planners will be happy to have an introductory meeting with you, at our expense, to get to know you and chat through your specific areas of interest and concern. When we have understood your needs, we can discuss how our personalised services and expert advice can help you achieve your goals.

     

    Get in touch

Download one of our brochures

Financial Planning explained PDF

Planning for a better life

Move forward with your life with our support. We’ve got your back.

Important information

The value of investments and the income derived from them can go down as well as up and you may not get back your initial investment.

Investec Wealth & Investment (UK) is a trading name of Investec Wealth & Investment Limited which is a subsidiary of Rathbones Group Plc. Investec Wealth & Investment Limited is authorised and regulated by the Financial Conduct Authority and is registered in England. Registered No. 2122340. Registered Office: 30 Gresham Street. London. EC2V 7QN.