Create a more secure financial future
Financial Planning
A carefully designed financial plan can give you the freedom to do even more of the things you want – and maybe even others you never thought possible.
Benefits of our Financial Planning Service
Our highly personalised service allows our Financial Planners to create a deep relationship with you, building you a financial plan that’s specifically designed to meet your needs.
You’ll have direct contact with your Financial Planner so you can speak to the person responsible for your financial plan.
With offices throughout the UK, you can choose a Financial Planner nearest to you. You’ll have regular contact in person, over the phone and through our secure client portal.
We’ll explore every aspect of your financial world, taking everything into account to create a plan that matches your individual needs, objectives and risk appetite.
We have a range of planning tools and techniques so you can be more tax-efficient with your savings, plan your retirement, mitigate inheritance tax, protect your wealth and much more.
We provide a wide range of wealth and investment management services, and we’ll find those that are most relevant to you. We’ll also make sure you understand everything we’re doing and are comfortable with your financial decisions.
Typically, we provide financial advice to those with assets over £200,000. If you’re looking for services at lower levels, we have alternative options.
Why Financial Planning could be ideal for you
Individuals and families come to us for professional financial planning advice for all sorts of reasons. We’re here to help you create a more secure financial future for yourself and your family.
You want professional expertise
You’ve decided that now is the right time to take control. Find the most efficient ways to organise your finances and investments by delegating the responsibility and taking advantage of professional expertise.
You want help to reach your financial goals
You have a specific goal in mind, such as saving to pay for your children’s education, paying off your mortgage or consolidating several pensions into one scheme.
Your life is changing
Something has happened in your life, such as an illness, or is about to happen, such as approaching retirement, and you want to make sure you and your family are in a secure financial position.
You’re dealing with a lump sum
You’ve received a large sum of money – perhaps from your pension, an inheritance, settlement or business sale – and you want to work out how best to organise and structure your wealth.
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The financial ages of life
Life is full of surprises. Yet we find that people tend to focus on some common themes at similar times in their lives. You might find it helpful to think about your own financial journey through these life stages.
Start your financial journey
Foundation stage: 20s
Managing your finances in your 20s isn’t always a priority even though you may be taking on your own financial responsibilities for the first time; it's good to start with the basics.
Build on your foundation
Accumulation stage: 30 to 40
Even when day-to-day life is really busy, it’s important to keep your financial future in focus with things like pension planning and making the most of other tax-efficient investments.
A time for growth
Growth stage: 40 to 55
They say life begins at 40, and these peak earnings years are a good opportunity to enjoy your hard-earned money and maximise your savings and investments.
Establish your financial plans
Establishing stage: 55 to 65
As family life changes and you start to think about stepping back from work or retiring completely, you’ll want to make sure any decisions you make are backed by solid financial plans.
Time to enjoy your retirement
Preservation & Reward stage: 65 to 75
Now’s the time to enjoy the financial security that’s come from your hard work and careful financial plans by using your savings and investments in the most efficient ways to enjoy your life.
The key to conservation
Conservation stage: 75+
In your later years, you’ll be thinking about what you can give to others now and in the future, and organising your assets to make sure your family don’t pay more tax than they need to.
What can you expect?
There’s a lot to think about when developing and implementing your financial plan. We’ve put together everything that’s involved into these five stages:
Don't just take our word for it
Providing high quality service to our clients
Communication
93%
are satisfied with the communications they receive
Respondents from our 2022 Financial Planning & Wealth Management Private Client Survey.
Request a call back
Get a better understanding of your current situation and the options available to you, take advantage of a free one hour consultation with an expert local to you.
0207 739 8200 (Open Mon-Fri, 9am-5pm)
Frequently asked questions
How can financial planning help me?
For most people, financial planning is about creating a better life for themselves and their families and giving them the peace of mind that money is one thing they won’t have to worry about. It can also help to answer some of life’s most pressing questions, such as when you’re likely to be able to afford to retire and how much money you’ll have to spend. Your financial plan will give you the information you need to make important choices throughout your life.
What areas of planning do you offer?
- Tax efficient savings and investment planning
- Pre and post retirement planning
- School fees planning
- Wealth protection, life insurance including Critical illness, key person and income protection.
- Divorce planning
- Inheritance Tax Planning
- Long term care planning
- Bereavement planning
- Trust and estate planning
What’s the first step and how much will it cost?
In the first instance, we’ll arrange a conversation, which can be in person at one of our offices or another place to suit you, or through a video or phone call. This meeting will give you a chance to tell us about your situation and what you’re looking to achieve. We’ll be able to tell you a bit more about how we can help, and you’ll also have the opportunity to ask us any questions you may have. There’s no charge for this first step.
What sort of things will we talk about?
The answer depends on what you’re looking to achieve through the process, which is likely to change throughout your life. For instance, when people are still working they tend to focus on building up a pot of money for later life, as well as protecting their family against the unexpected. When they get older, the emphasis tends to shift to things like covering the costs of long-term care and finding the most tax-efficient ways to pass on wealth.
How will you help me achieve my goals?
There are lots of things we can do to help your organise and structure your assets in the most efficient ways, such as making sure you’re taking full advantage of all your tax-free allowances for saving and investing. We can also use more sophisticated techniques, such as setting up trusts, although we’ll usually favour the most straightforward approach.
Charles Stanley is not a tax adviser.