eos wealth management

You and Your Family

Our highly qualified advisers will be happy to provide you with a full financial review. Firstly, they will work closely with you to identify your main financial objectives and secondly the risks or barriers that stand in the way of you achieving them.

Once your objectives are prioritised, your adviser will aim to put you in a good financial position to achieve them with a tailored financial plan.

As part of the plan, we will review your existing holdings and then utilise tax-efficient structures for any investments wherever possible. We will also help you insure against unexpected events, such as ill-health or accidents.

Our regular service meetings can then help you to see whether your objectives and priorities have changed and whether you are on target to meet your goals.

We can agree on an approach that suits you best.

  • Pensions and divorce

    We have been working with clients and legal advisers for over 20 years through a changing landscape of pensions and divorce legislation providing advice, support and reassurance at each stage of the process.

    At a time when emotions can be running high we undertake to remove a considerable burden away from you and work with your legal representatives in finding the most appropriate settlement for you in consideration of your needs.

    Where pensions are involved, we are highly qualified and can look through the valuation and details of the schemes given to ensure that you receive the most appropriate advice concerning your options.

    We will then plan around your immediate and longer term needs with you and be there to provide support and guidance throughout.

  • Wealth Management

    Planning for an even brighter future

    As a successful person, you’re probably already familiar with setting goals. After all, deciding what you want is the first step towards getting it.

    We believe everyone should have a financial plan. No matter where you are in life, or how much you are worth, if you do not have a plan you could end up with a very different future than you expected.

    Working with you, one of our expert financial planners will analyse your current situation, explore your aims and aspirations and help you determine exactly what it is you want to achieve – now, and in the years to come.

    We aim to build lasting relationships with each of our clients, based on honesty, integrity and mutual respect. As a trusted adviser, your planner will assess every aspect of your financial circumstances, including your cash assets, investments, pensions, property, shareholdings, and income and liquidity needs. They will also take the time to get to know your financial personality – your appetite for risk, how you feel about volatility, what kind of investments you prefer, whether you’re thinking short or long term. In particular, we can help ensure your money is working as hard as it can for you, and identify potential problems – for example, if some of your goals are in conflict with each other.

    The result? A co-ordinated, personalised plan of action, designed to deliver the future you want, in the most effective way.

    We can show you:

    · How to diversify your investments to achieve your desired returns
    · Ways to balance what you need now, with what you'll need in future
    · How to improve your tax position
    · How to protect your family and your finances if the unexpected happens
    · The best way to plan for retirement, and leave a legacy to your loved ones

    As you go through life, your needs and circumstances will evolve. Tax laws and investment regulations will also change. So we will review your plan regularly, to make sure it stays true to your objectives and that you remain firmly on track to achieve them.

  • Risk Management

    Risk is a subjective matter for many of our clients and comes in various guises.

    Before we embark on making any recommendations, we will seek to understand our clients own views about the risks they face and provoke some thought about issues that may not have been considered, but may be entirely relevant.

    Our role as a financial adviser is to ensure that our clients are informed and prepared and we will make recommendations to mitigate risks in the following areas, subject to our client's circumstances:

    Short-term liquid cash requirements

    Protecting the liabilities in the event of death or serious illness

    Making financial provision for dependants in the event of death

    Providing a lump sum and/or income in the event of serious illness

    Ensuring repayment of liabilities

    Assessment of the ability to meet needs and achieve goals in accordance with appetite for investment risk

    Mapping of investment strategy appropriate to needs, goals and appetite for risk

    Once recommendations are made and plans are put in place, we will conduct regular reviews with you to ensure that the risks continue to be managed appropriately and any new risks are identified and brought within the scope of your financial planning. 

  • Tax efficient investments

    We believe that is vital to use every opportunity to your advantage.

    Our financial planning solutions will incorporate solutions that provide tax efficiency or tax relief within the scope HMRC legislation and guidelines.

    If we are starting from scratch, we can look at using Individual Savings Account allowances to build investment portfolios which can provide tax free capital and income in the future.

    If your existing investment portfolio requires restructuring, we have the ability to manage out any Capital Gains Tax liabilities, ensuring that you are not hamstrung in making changes to your portfolio at the detriment to your tax bill.

    Pension tax relief is continually tinkered with and complicated in the UK and this can lead to a malaise when opportunities present themselves because of the complexity of the planning required. Our role as your financial adviser is to ensure that the complexity of legislation is broken down to a level that everyone can understand and ensure that those opportunities are not missed.

    Overall, the use of any tax structure or tax relief is built around the goals of our clients. Where a tax planning structure is appropriate to meet a client's objectives it will only be used where it can assist in achieving a target, without increasing the risk of the investment.

    Tax benefits depend on individual circumstances and tax rules are subject to change.