Learn more about How we've helped clients

Rupert Lovesy:

"Following the sale of their business, my client wanted to invest ethically and ensure their children were provided for over the long-term."

We analysed their spending and made some reasoned predictions about future costs, then used cash flow modelling to show how various changes could affect the value of their assets over their lifetime. The modelling showed some of their assets were unlikely to be needed, however they weren’t keen on these gaining value only to be taxed on their death. Similarly, they weren’t ready to give them away in case circumstances changed."

We addressed their short-term needs and wishes, maximised their pension contributions (outside of the estate for inheritance tax purposes) and set up a ‘Loan Trust’ for their children - to which they loaned nearly £1m. The trust would benefit from any growth, and should circumstances change, loan repayments could be started, or part of the loan called in. The loan could be waived in future and would then leave their estate fully after 7 years."

My client felt reassured that they had a flexible long-term plan and could use their capital to support their family over their lifetime."

Within a year, my client was made redundant, affecting their short-term income and retirement planning. Despite this, no change to the plan was needed. We demonstrated the impact by re-running the cash flow planning, reassuring my client they had access to income from loan repayments if needed."

Thomas Mc-Coy:

"My client was a higher rate taxpayer and had accrued a number of pensions over his career working as a city lawyer. 

"He was a decade or so from retirement age, but had started to plan for his retirement and wanted to simplify his finances. He also wanted his pensions to be managed ethically, but was happy to arrange his own funding and contributions."

"I provided some initial advice, on a one-off basis, to assess and consolidate his pensions where appropriate. He was happy with the solution we came to and said he may return in future for further retirement planning advice."

Thomas McCoy:

"My client in their mid 20s was left an inheritance by his late father. While he currently lived and worked overseas, he had longer-term intentions of returning to the UK. He sought our help, as he wanted to organise his finances in the UK so they could be invested in an ethical way - he had no immediate need for them whilst he was away."

"I provided some initial financial advice on a one-off basis, to set up a lump sum investment that would continue in the background, until he returned to the UK or faced another advice event e.g. house purchase."