Coming into a large sum of money can mark an important turning point in your life. But it also poses practical questions about how to make the most of it.
Many of these decisions you might feel confident making on your own. But some choices are daunting, and you may feel more comfortable turning to professional advice and experience.
When we talk to clients about managing lump sum windfalls, we ask a number of questions.
Only once you are clear on those bigger questions would we guide you through some of your investment choices.
Putting large sums into investments that can be volatile over shorter time periods, such as equities, can be challenging, even if historical statistics suggest it may be the correct approach. Our portfolio managers and planners work with you to develop a strategy that you are comfortable with, meets your needs and suits your tolerance for risk.
Our client received a significant lump sum as an inheritance. We advised him on how he could use his investments to supplement his income, while preserving flexibility to adapt his lifestyle in future. The client has invested in our flagship sustainable strategy.
Following the sale of a family-owned business, our client came to us for advice on estate planning and investment structuring. We helped her plan for the efficient transfer of wealth to her children and charity, while providing a high degree of flexibility and minimising complexity.