Here are the main categories of financial products and services I work with. Each serves a specific purpose within your Sustainable Wealth Blueprint™.
Wealth Accumulation Tools
These are the vehicles we use to build your Financial Longevity. The specific tool we choose depends on your tax position, time horizon, accessibility needs, and – crucially – whether your investments align with your values.
We work with pensions for long-term tax-efficient growth, ISAs for accessible tax-free savings, investment accounts where flexibility is paramount, and investment bonds where estate planning or tax deferral strategies are appropriate. All investment solutions can be structured to reflect your sustainable investing preferences using ESG screening and sector exclusions.
Tax-Efficient Investment Structures
These specialist tools can accelerate wealth accumulation whilst reducing tax liability. They’re not appropriate for everyone, but where they fit your circumstances and risk tolerance, they can be powerful instruments for building Sustainable Wealth.
We work with Enterprise Investment Schemes (EIS), Seed Enterprise Investment Schemes (SEIS), and Business Relief schemes where clients have the capacity for higher-risk investments and want to combine tax efficiency with potential support for growing businesses. We ensure any tax-efficient structure aligns with both your financial objectives and your values – many of these schemes can support sustainable and socially responsible businesses.
Wealth Protection Solutions
Financial Longevity isn’t just about accumulation – it’s about protecting what you’ve built. These tools insulate your wealth and your family from financial shocks. The right protection strategy depends on your personal circumstances, dependents, and what you’re actually trying to protect against.
We work with life insurance to protect your family’s financial security, income protection to safeguard your earning capacity, and critical illness cover where appropriate to your circumstances. Like a coconut’s hard shell protecting what’s valuable inside, these solutions create layers of protection around your wealth.
Legacy Planning Instruments
Moving from financial success to lasting significance means thinking beyond your lifetime. These tools help you shift from accumulation to creating An Enduring Legacy – for your family, causes you care about, and the values you want to pass on.
We work with trusts for controlled wealth transfer, inheritance tax mitigation strategies to preserve more of your wealth for your beneficiaries, and estate planning structures that ensure your legacy reflects your values. This isn’t just about minimizing tax – it’s about ensuring your wealth continues to work for what matters most to you.
Specialist Planning Solutions
Some financial objectives require specific tools designed for particular circumstances. These solutions address unique planning needs that don’t fit neatly into standard wealth accumulation or protection strategies.
We work with school fees planning structures to fund education costs tax-efficiently, cash management accounts to optimize liquidity whilst maintaining returns, and other specialist solutions tailored to your specific circumstances and objectives. The right specialist tool depends entirely on your individual situation and what you’re trying to achieve.
