Bespoke
investments.

At the core of Five Wealth are two key pillars: investments and financial planning. They go hand in hand, each supporting the other.

Investment management

There is no one size fits all approach to investments. All of our investment portfolios are bespoke, and tailored to each individual client’s specific goals, time horizon and to their views on risk. We construct portfolios to meet our clients’ objectives based on our experience and expertise, the latest financial research and our meetings with individual fund managers – a combination that gives us excellent investment insight.

Financial planning

When we create a financial plan we focus both on our clients’ immediate and their future objectives. We build in flexibility. Planning only works in the longer term if it can be adapted to accommodate changes in circumstances – no matter how unexpected they may be – as well as changes to taxes and legislation.

With these two overarching elements at the core of what we do, we specialise in the following areas:

Retirement Planning and Pensions

Planning for retirement has never been more important. We not only apply our knowledge of the latest pensions landscape and regulations when helping our clients plan ahead. We also look more broadly at other means of saving, from ISAs and investment portfolios to property. Then, using a mix of cash flow modelling, continual monitoring and one to one discussions, we create retirement packages that meet the aims and the circumstances of our clients, and ensure that they can live comfortably in their later years.

As with all financial planning and while we do all we can to protect our clients’ investments, the value of investments and the income from them can fall as well as rise. You may not get back what you invest.

Estate/Inheritance Tax Planning

Passing wealth down the generations matters to many, and doing so in a tax efficient manner is where we can help. From making the most of the HMRC allowances on offer to gifting larger amounts directly or into trusts, we examine every means possible to ensure an easy transfer from one generation to another.

Trusts can play a vital role, and advice around creating and managing trust portfolios is a major part of our service. We also look more widely, at investment-linked options (both immediate and gradual), for example, or scenarios where income can be retained.

The Financial Conduct Authority does not regulate Trust or Tax advice. Any tax reliefs are dependent upon your own personal circumstances and are subject to change.

Protection

Protecting you and your family is our priority. At Five Wealth we consider the insurance that is most relevant to our clients, from life and critical illness cover to income protection and private medical insurance. Protection can also be used as an inheritance tax planning tool when wrapped in a trust arrangement.

As a fully independent firm, we have the ability to research the whole of the market to find the most cost-effective protection based products for your needs.

The Financial Conduct Authority does not regulate Trust or Tax advice.

Business owners

Running a business is never easy. Business owners and entrepreneurs are often so busy building their business that finding the time for financial planning is almost impossible. That’s why so many of them come to us for advice, whether as individuals or as part of their business strategy. Working across the short, medium and longer term, and working with clients from start-ups and established SMEs to those who have reached their goal and sold (or who are perhaps passing their business to a younger generation), they trust us to create the flexible plans that will help them meet their personal and corporate goals.

As with all financial planning, and while we do all we can to protect our clients’ investments, the value of investments and the income from them can fall as well as rise. You may not get back what you invest.