Spotlight Brochure: Details of our simplified investment and stockbroking service
The Importance of Having a Will Creating a Will is ...
ARIA Private Clients is part of the wider ARIA group, which has a breadth of client including banks, institutions,
pension funds and private clients.
One of the pillars of our proposition is bringing a sense of empowerment to you, a feeling on having control over money matters. Another cornerstone of our approach is to strive to deliver a highly personalised service to each of our clients.
There are different approaches to offering wealth management services, but perhaps the most progressive, is referred to as ‘goals based planning’ Compared to a more traditional approach, goals based planning we believe brings greater clarity to your affairs, and moreover a greater sense of control. Furthermore, it allows us to zero in on what’s really important to you, and identify strategies to reach those very individual goals you may have.
Traditional
Financial Factors Assets and Liabilities Single’Risk Attitude’
Goals Based
Financial and behavioural factors Client goals What matter’s most
Traditional
Relative to Stock Market: Shorter term focus prevails
Goals Based
Monitoring progress towards established goals
Traditional
Single Risk tolerance for all investing ‘buckets’
Goals Based
Risk capacity against each goal Seeks to calculate confidence levels of reaching a given goal Considers shortfall potential
Traditional
One overall portfolio
Goals Based
Asset classes or strategies for each individual goal
The Importance of Having a Will Creating a Will is ...
The Importance of Having a Will Creating a Will is ...
We call this ‘foundational planning’ i.e. getting the basics right.
* Funding your lifestyle
* Getting onto the property ladder
* Moving on in the world professionally speaking
* Savings advice.
* Mortgage advice.
* Individual Savings Accounts.
* Learning how to manage your finances.
* Find out more about our ‘Spotlight’ service which could be an ideal fit.
Matters may have moved on, and your focus perhaps is elsewhere. We think this where you can begin to accumulate assets.
* Tie’ing the knot, or putting down roots
* Aspiring to a larger property
* Professional development and recognition
* Perhaps with more disposal income to put to one side
* Funding education (a professional qualification) or school fees for children
* Providing for loved ones (income protection, life assurance etc)
* Pension planning – modifying and managing asset allocations
* Maximising the tax efficiency of your investments
As you and your finances are more established, it’s increasingly important to focus on optimising your personal balance sheet, as your earnings potential is high.
* Teenage children – increasingly more depending and ready to strike out their own
* Reducing liabilities and paying down the mortgage
* Aspirational spend may be growing – more expensive hobbies or goods consumed
* Potentially a dual income household, with earnings capacity at its maximum
* Educational costs – this time university fees
* Optimising your tax liabilities through pension contributions and ISA portfolios
* Becoming more actuarial in managing assets and forecasting cash flows and lifetime budgeting exercises
At this point, your emphasis or priorities are likely to be retiring planning. Never a ‘goal’ in its own right, but providing for later life is an important matter to consider.
* Children have flown the coup and are no longer ‘financial dependents’, (save for a house deposit!).
* Potential significant equity in property, resizing or even relocation thoughts
* Disposable income could be peaking
* Pension and investment consolidation
* Business planning, be it exit or succession thoughts
* Estate planning and pre-retirement advice
* Lifestyle investing – considering market risks and reducing exposure to riskier asset classes
* Considering and maximising all allowances
* Retirement options: flexi-working arrangements, early retirement or a new career!
Preserving capital and maximising income streams will be a significant part of your plan.
* Taking on new hobbies, maintaining current interests
* Property investment: a bolthole ‘away from home’
* Transitioning from gainful employment to a less ‘structured’ existence
* The next generation
* Inheritance tax planning
* Gifting to family
* Optimising your balance sheet to generate an income that sustains your lifestyle
Preserving capital and maximising income streams will be a significant part of your plan.
* Living a healthy and comfortable life will be high on most people’s agenda.
* Personal health and provision for it
* Lifestyle considerations including current living / property arrangements
* Gifting monies to family
* Placing assets into Trust
* Giving assets away to charity
* Ensuring wills are current
* Inheritance Tax Planning
* Ensuring asset allocations are still appropriate for their objectives
* Care fees funding
You can rest assured when you have a clear plan for the future….
Unconstrianed, multi-asset class investors with an award winning track record….
