Knowledge

Navigating the challenges of personal wealth

In times of economic instability, your personal wealth can provide as many challenges as it does rewards. Our extensive research reveals the worries, aspirations, and attitudes that higher earners in the UK have towards money.
See our research Wealth Management service

Research at a glance

Our research (conducted across 2022-24) uncovered a wide range of views from high-net-worth individuals (HNWIs): from how they feel about discussing money with their families to how often they would seek financial advice in today’s challenging economic environment.

21%

of high-net-worth individuals are worried about their finances because they have financial dependents.

1/3

of high-net-worth parents have adult children living at home.

59%

of high-net-worth individuals are concerned or very concerned about their financial futures.

More than 50%

do not feel comfortable talking to their families about money.

59%

of younger HNWIs said they were concerned about the threat of recession and high inflation.

1 in 10

of respondents are concerned about recent life-changing situations such as bereavement or divorce.

Our research

The 'squeezed middle'

Most people aspire to help their families, especially after decades of working hard. But with a cost-of-living crisis, providing that financial help isn’t just an aspiration for many but a necessity.

Guide to navigating family wealth challenges in changing times

Discover how the UK’s ‘squeezed middle’ is balancing finances with the expectations of different generations. Our research and supporting content explore how families can maximise their options when navigating rising costs.

  • With changing familial responsibilities, how do people plan for their financial futures?
  • How the cost-of-living crisis has affected financial planning.
  • How the Bank of Grandma and Grandpa has become as important as the Bank of Mum and Dad.
  • How to get off the high-income treadmill.
Our research

'Prevention is better than cure'

Does the age-old motto still ring true when it comes to your financial wellbeing?

Guide to finding your financial wellbeing

We interviewed a range of high-net-worth individuals to find out the source of their financial stress and the best ways to address these challenges. Our research and supporting content explore:

  • The wide-ranging causes of financial worries.
  • How to plan for the unexpected.
  • The value of advice when you are experiencing financial stress.
  • Personal stories and expert tips to help you consider the unknown when planning your financial future.
Our research

It's time to talk money

Money and stress go hand in hand, yet few of us are willing to talk about our finances with loved ones. But often, these important conversations can help you avoid challenges later in life.

Guide on the taboo of talking about money

In our survey findings, we came to understand that 42% of high-net-worth individuals (HNWIs) said they were stressed about their financial situation some or most of the time; for the under 55s this rises to 62%. Yet many are suffering in silence with more than half saying money is a taboo subject within their families. Our research and supporting content explore: 

  • The three main dimensions to the taboo against talking about money among people with inherited wealth.
  • Why avoiding the topic of money completely could have a detrimental effect on family wealth and relationships.
  • Personal stories and expert tips to help you talk to your family about your financial future.
Our research

Balancing the needs of today with those of tomorrow

If you’re under 55 you’ve probably been focused on building your wealth in anticipation of the day when you can step back from work and enjoy the fruits of your labour. But if the current economic landscape has you worried about your financial freedom, you wouldn’t be on your own.

Guide on the role of financial advice for the next generation

Discover the key concerns of this generation and how financial advice can help provide peace of mind. Our research and supporting content explore:

  • The key financial concerns of the under 55s and how this generation views wealth and the financial future. 
  • The current financial climate has impacted under-55s financial priorities.
  • How to balance current financial commitments whilst protecting your future wealth.
  • Personal stories and expert tips on the importance of taking financial advice as early as possible, especially during economic instability.
Our research

Planning your wealth

How can you take back control of your finances? And what is the best way to protect your wealth and preserve it for the next generation?

Guide on preserving and protecting your personal wealth

What do UK high-net-worth individuals think about the impact of a challenging economic environment has on their financial plans? Our research and supporting content explore: 

  •  What concerns high-net-worth individuals about the future value of their wealth.
  • How high-net-worth individuals are approaching wealth preservation with key Investment Management and Financial Planning insights.
  • High-net-worth individuals’ attitudes to financial advice.
  • Personal stories and expert tips on what you can do to preserve your wealth against inflation and market falls.

How can we help you?

Be confident about your financial situation, now and later in life with personalised financial advice and bespoke investment portfolios.

Wealth management service

I would like combined financial planning and investment management advice

Entrust your dedicated Financial Planner and Investment Manager to provide you with a holistic financial plan and personalised investment strategy.

  • We’ll explore your financial requirements to create a plan that matches your individual needs and goals.
  • We'll give you confidence in your investment decisions based on your investment strategy.
  • We’ll form a secure financial future for you and your loved ones.
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Holistic Financial Planning

I would like ongoing support from a dedicated financial planner

A carefully designed financial plan can give you the freedom to do even more of the things you want to do and maybe even things you never thought possible.

  • We'll create a financial plan that matches your individual needs and objectives.
  • We can help you become more tax-efficient with your savings with our range of planning tools and techniques.
  • Professional expertise on hand to organise your investments to ensure you are comfortable with your financial decisions.
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Bespoke Investment Service

I would like a professional to manage my investments for me

Entrust a dedicated expert to make investment decisions on your behalf. We’ll monitor and adjust your portfolio to make sure you don't miss out on opportunities or are exposed to unnecessary risks.

  • We'll construct a bespoke portfolio based on your circumstances and investment objectives.
  • You’ll have direct contact with your Investment Manager, so you can speak to the person responsible for your portfolio.
  • Enjoy the peace of mind knowing your investments are being continuously monitored and adjusted.
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Wealth management insights & events

Article
How to plan and protect your family wealth
By  Charles Stanley
31 Jan 2024 | 7 min read
Article
Time to get your financial plan in order
By  John Moseley
Financial Planner
06 Feb 2025 | 8 min read
Article
Why have UK inheritance tax liabilities climbed to record levels?
By  James Rae
Investment Manager
22 Sep 2024 | 7 min read

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