Services

As with any wealth management advice, the best quality solutions require an in depth understanding of your circumstances, objectives and aspirations. Only then can we make sure your goals are achieved in the most appropriate way.

Our approach is simple, to offer a comprehensive service through a robust and effective process:

Before we provide advice..

We believe in listening and understanding every client, their individual circumstances, responsibilities and aspirations.  This approach may take a little time but is essential to provide the bespoke advice you require.

During the advise process..

Once we understand you and your requirements we provide comprehensive clear recommendations to address your needs. We work with you throughout the process which often involves working alongside other professionals including Solicitors and Accountants. This ensures that the whole process is hassle free and achieves the desired outcome to address your overall financial needs.

Afterwards..

We keep in contact through our review service, discussing any changes in your circumstances, discussing performance of your investments and making sure that your arrangements continue to meet your needs and objectives all detailed within a report.

Our comprehensive and independent due diligence support is provided through our compliance network. This all important function involves quarterly meetings with our investment partners, assessing quality of service, fair charging structure, their bespoke investment offering and process.

This ongoing process ensures we provide a leading offering and one that gives the most appropriate solutions for clients.

At W.T we can help with a comprehensive list of services including the following:

Discretionary Portfolio Management

We take the time to understand the specific circumstances of each client with the aim of constructing a portfolio to reflect personal requirements and objectives. 

Bespoke Investment Advice

Tailored for our clients, the investment advice and process is fundamental to the service we provide, allowing for flexibility and expertise to ensure that individual client needs are met.

Pension & Retirement Planning

Whatever your situation we can work with you to create a retirement plan just for you, regardless of your current retirement stage: Pre-retirement – acquiring wealth, Retirement itself – managing your wealth throughout your retirement years and finally Beyond Retirement – managing retirement funds for the benefit of your family.

Retirement planning is a complex area with many individuals being part of defined benefit schemes that may be subject to tax charges due to exceeding annual allowance limits and the new lifetime allowance. As a result many individuals will need to seek financial advice and consider how recent pension legislation will affect them, failure to review may result in unnecessary tax liabilities and a change to your planned retirement.

Estate & Tax Planning

We can help with minimising your tax liability and maximising what you are able to pass on to your loved ones with peace of mind that your wishes will be carried out correctly.

Protection

We offer advice in relation to all forms of protection, including arrangements to protect your family, income, estate, business and liabilities, such as mortgage and business borrowing.

Mortgages & Commercial Finance

Buying a home is a huge financial commitment, often resulting in a big change in financial circumstances.  Although W.T Independent Financial Planning Ltd does not offer mortgages or advice on mortgages, we work closely with independent whole of market mortgage advisers and if you are interested in receiving mortgage advice, we will be able to pass on your contact details to them.