Cazenove Capital offers a comprehensive wealth planning service that complements our investment management expertise, allowing us to provide an integrated and coordinated approach to managing your wealth, whilst maximising the opportunities available.
Our Wealth Planning advice is tailored to your personal situation, covering areas such as:
- Retirement planning
- Investment structuring
- Financial protection
- Inheritance tax and estate planning
We can work alongside your existing advisers and where necessary, can recommend specialist law firms and accountants for more complex work.
Whether you are approaching retirement or still furthering your career, considered planning is crucial to ensure a comfortable retirement. If you have already retired you may be looking to maximise the assets you have worked hard to build.
There are numerous tax-efficient vehicles available to those looking to make the most of their assets in retirement. Pension assets often form a large part of this planning and are continually becoming more complex in nature. As such it is important to obtain impartial and good quality advice to ensure your plans for retirement are on course.
We are able to discuss all aspects of pensions from company scheme benefits to self-invested plans and will work with you to help you achieve your retirement ambitions.
Our objective is to deliver the best possible post-tax returns to our clients. This requires us to ensure that all investments are held in the most tax efficient way.
This can range from simply holding high income producing assets within an ISA or SIPP to reduce the impact of tax, to securing long term family capital within an investment company or trust to provide long term security and efficiency for your assets.
The correct solution for you will depend upon your individual circumstances and objectives and our Wealth Planners can help guide you through the options available to make sure that you are maximising your investment returns by being tax-aware but without taking on too much risk.
Protecting yourself and your family against an unforeseen event or tragedy should form the basis of any considered financial plan. Be this via life assurance or protection of income for the main earner or a capital lump sum required to assist with any Inheritance Tax liability, financial protection can provide considerable peace of mind.
Our wealth planners have a breadth of knowledge of the range of options available in this area and how they can be applied effectively. They will work with you to address any concerns you may have regarding vulnerabilities in your existing protection, or use their expertise to highlight any gaps that you may not be aware of.
Financial protection provides peace of mind which allows you to focus on enjoying the capital you have worked hard to build.
Inheritance tax and estate planning
Passing assets efficiently to the next generation remains a primary objective for many who have spent a lifetime accumulating their wealth. Providing funds for family members or a charitable interest is also an important way to see the benefit of your wealth during your lifetime as well as leaving a legacy.
Our wealth planners have an in depth understanding of the current regulations surrounding inheritance tax and the options available to make sure that your assets are passed on in line with your wishes, both during lifetime and on death. They can work with you, and if required your tax adviser or lawyer, to best ensure your objectives are met, giving you peace of mind in securing the financial future of your family.
Create a well-managed retirement
The value of investments and the income received from them can fall as well as rise. Investors may not get back the amount invested.