Medical Professionals

We understand the time pressures and commitments of your chosen career. We know that because of the highly demanding nature of your work and the hours you put in, you may not have sufficient time to devote to ensuring that your financial affairs are properly organised and managed.

With our background in providing specialist advice to the sector over many years, we understand the specific challenges that medical professionals face throughout their careers and in retirement.

Comprehensive advice for the challenges you face

We provide the necessary framework that will help you make informed and objective decisions about your wealth, creating the building blocks of your future financial freedom and providing financial security for you and those depending on you.

Experience tells us that the kind of challenges that many in your profession face can include:

Complex remuneration packages, often with income derived from both private and NHS work.
The need for tailored mortgage advice.
Efficient funding and planning of children’s education costs.
Pensions advice, including reviewing pensions from private and NHS work accumulated over time.
Challenges with pension funding given the limits posed by the Lifetime and Annual Allowances.
Alternative plans for retirement funding.
The need for a professional to manage day-to-day investment decisions.

Your Lifetime Wealth Model

We begin by asking you searching questions about your financial situation, your goals, aspirations and needs. Where our skills lie, is in helping you develop a coherent and flexible long-term strategy, a lifetime financial plan. Our service includes important features such as a Tax Optimisation Strategy that ensures we address with you the payment of future tax bills, alongside longer-term tax planning measures. The Lifetime Wealth Model will also be your first building block in your retirement planning strategy.

We can review your mortgage requirements, and explain how an offset mortgage could meet your specific needs. We’ll also consider you and your family’s need for protection policies that would provide a payout if you were unable to work or were to die. We’ll also assess whether your current NHS provisions are sufficient.

Investment Independence and Innovation

What clients particularly value about the service we have to offer is our Investment Independence and Innovation from any group or bank. This means that we aren’t under pressure to promote or sell the products offered by any one provider. We never adopt a ‘one size fits all’ approach, but instead work with clients to assess their individual needs, their appetite for risk and the length of time they wish to be invested.

We’re then free to make the most appropriate recommendations for them based on our in-depth market knowledge and research. We create tailored portfolios, selecting blends of best of breed managers, utilising the unique insights we gain from our partners, leading research group Asset Risk Consultants (ARC).

By being truly independent, your adviser is able to create a bespoke portfolio tailored to your risk appetite, utilising investment groups who excel in your particular risk area. We know that some manager’s style suits those clients looking for potential high return with high risk, while other managers deliver in more cautious consistent styles.

PWM's Private Office

Our clients have access to a range of valuable Private Office services, all designed to be the first port of call for the specific needs of high net worth individuals. These services include:

dynamic cash management for superior returns;
bespoke insurance plans;
estate planning, wills and trusts;
property search and mortgage provision in the UK and internationally; and
tailored foreign exchange solutions.

Clients who work with us benefit from our flexible bi-annual reviews which can be scheduled to suit their work commitments. As we pride ourselves on the level of attentive client care we offer, we are always on hand to deal with queries or provide advice. If you’re looking for a team of independent professional advisers who can help you build your financial freedom, then do get in touch.