eos wealth management

You and Your Family

A full financial review performed by one of our highly qualified advisers will identify, together with your input, all of your objectives, together with any risks or barriers that may stand in the way of you achieving them.

Once your objectives are prioritised, your adviser will work together with you to ensure that you are in the best possible position to achieve them.  By removing the potential risks, such as illness, death and investment volatility, you will be able to utilise tax efficient structures together with appropriate tax reliefs to assist you in meeting your goals.

Our scheduled regular meetings with you will assess whether your objectives and priorities have changed and whether you are on target to meet your goals.  We will recommend adjustments to your investments that will assist with you achieving your goals or minimise the risk of you missing them.  

  • 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

    Our core investment proposition is built around our fundamental principles of reducing risk and understanding of our clients' needs.

    We firmly believe that the most appropriate investment strategy for any investor is one where the results can be simply be measured against the investor's requirements of our clients.

    We do not believe an investor should be satisfied that their investments simply perform in accordance with the vagaries of the financial markets.

    Our view is that financial markets provide an opportunity for clients to achieve investment returns above Cash, but that they should not be the deciding factor of whether our clients need their needs and achieve their goals.

    Our wealth management service maps clients' needs and objectives to a suitable strategy to provide targeted returns in excess of Cash (6-month LIBOR) no matter how the financial markets are performing.

  • 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 legilsation 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.