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We have a background in providing specialist independent advice to current and retired partners, senior executives and directors from the Big 4 and top-tier accountancy firms.

If you’re an accountant and you’re looking for specialist independent advice, then you’ll find the service we provide is bespoke to your specific circumstances. We recognise the need for flexibility when working with you, and have in-depth experience in dealing with the challenges and obstacles you may face at different stages of your career.

Comprehensive advice for the challenges you face

Increasingly, we’re finding that accounting professionals are looking to work with us because we offer truly independent professional advice and aren’t beholden to any bank or financial product provider.

Couple that with our understanding of your specific financial needs and the restrictions that you may have placed upon you by the nature of your employment, and together we have the basis of a strong working partnership.

We know from experience that you may face some or all of the following challenges:

  • Building a substantial pension fund whilst constrained by government restrictions, the tapered Annual Allowance and the reduced Lifetime Allowance
  • The investment restrictions that may arise through the nature of your work
  • Observing policies within your firm regarding what constitutes permissible tax planning, whilst ensuring you mitigate the amount of tax you pay on funds saved for retirement
  • Property concerns, such as whether to prioritise the reduction of mortgage debt on your main residence or other properties you may own

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 that builds a path to your financial freedom.

Our Lifetime Wealth Model is an invaluable tool that will enable you to see how much wealth you need to accumulate in order to achieve personal financial independence and security. It’s a live document that we’ll regularly update and review together at different stages of your career and on into retirement.

Our service includes important features such as a Tax Optimisation Strategy that ensures we adhere to any policy on permissible tax planning you may be bound by, whilst keeping your tax rate as low as possible both before and after your retirement.

We will work with you to establish a bespoke truly independent investment strategy that complies with your firm’s internal policies, taking full account of your attitude to risk and your investment timeframe. We can also provide wide-ranging advice on your mortgage requirements, making sure that you always have the right deal in place to meet your needs.

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, financial advice on 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 biannual reviews which can be at scheduled to suit their work commitments, and as we pride ourselves on the level of attentive client care we provide, 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.

For further information on how we can help you build and protect your wealth, please contact us.

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