Perspective Wealth Management Ltd

Personal Wealth

Our financial advisors work closely with clients to discover and understand their objective fully before providing various services including:

• Collection of relevant facts to understand current position and evaluating and adopting existing arrangements
• Establishing financial objectives, tolerance to risk and required liquidity
• Producing a financial plan
• Establishing a suitable asset allocation to match attitudes towards investment risk
• Identifying the most tax efficient wrappers and constructing a suitable investment portfolio
• Presenting a written financial report
• Establishing new arrangements and processing documentation
• Monitoring and evaluation of original investment funds and re-balancing of the portfolio to a core asset allocation quarterly.
  

Investing

Here at Perspective Wealth Management Ltd we recommend that all clients receive a full financial health check. This enables our advisers to gain a firm understanding of clients’ objectives and also the risks they are willing to take to reach those objectives. Once this had been completed our advisors will create a personal plan tailored specifically to meet individual needs. This plan is carefully explained and agreed with the client and monitored on an ongoing basis to ensure that objectives are met and also to take on board any changes as they incur. As part of the Perspective Financial Group, we have access to a wide range of investment specialists and services in order to provide first class financial services and advice to our clients.

Corporate Planning

Perspective Wealth Management Ltd boasts a dedicated team of specialists who provide expert corporate advice to clients in a wide range of businesses. Our team offers advice on all aspects of employee benefit arrangements for employers and employees. Whether you are in a public or private company, a pension scheme trustee or a professional partnership, please give us a call to find out more about our corporate solutions.

Partnerships

We are pleased to work closely with other professionals such as lawyers or accountants and even other financial advisors who refer clients to us to take advantage of our first class financial services. We hold these partnerships with extremely high regard and often hold events for or with them. We are also able to enter into joint ventures and devote a large amount of time to developing these relationships which can be extremely beneficial to clients as well as the parties involved. Please contact us to find out more about our corporate solutions.

Pensions

Our highly experienced advisors provide clients with essential financial planning for clients going through a divorce. Our pensions and divorce services include:

• Analysing the information from one or both parties
• Assisting and gathering any further information needed to prepare a report and liaise with legal representatives as required.
• Preparing detailed reports considering all the options available.
• Recommending suitable financial arrangements including pensions, investments and protection
  Implement any financial order .
• Managing the client’s investment portfolio and deal with financial planning needs in the future.
   

If you require assistance or financial advice please contact Perspective Wealth Management Ltd and we will be happy to discuss options with you and arrange a meeting if required.

Wealth Preservation

Perspective Wealth Management Ltd provides financial planning for wealth preservation in later life. Our experienced advisors provide various services including investment strategies that may be directed towards capital preservation rather than capital growth, or advice on generating or increasing income in a tax efficient way. We may also implement inheritance tax mitigation strategies while retaining sufficient assets to ensure clients own financial security or arrange clients’ affairs to ensure that their estate passes to their chosen beneficiaries in a tax and cost efficient way. Please contact our friendly team at Perspective Wealth Management Ltd for further information.

Retirement Planning

Here at Perspective Wealth Management Ltd we consider retirement planning in two vital stages:

1)      The build up of sufficient assets in various forms before retirement (the investment stage)
 
2)      Assessing suitable options, at retirement, for arranging assets in order to provide suitable capital and income security during retirement (the disinvestments stage).

At the investment stage we provide clients with suitable tax efficient saving strategies to assist clients build up sufficient assets for a comfortable retirement whilst taking affordability and attitude to risk into consideration. At the disinvestments stage we guide clients through available and most suitable options.

Mortgages & Protection

Perspective Wealth Management Services refers mortgage enquiries to our trusted mortgage advisors who will assist clients on our behalf. Our trusted mortgage advisors will provide clients with advice on borrowing for property purchases; review mortgages that are coming to the end of the ‘special’ rate to ensure the new mortgage matches current objectives; make recommendations for various protection products to repay the mortgage in the event of death, suffering a defined critical illness or being unable to work due to ill health; and provide advice for clients interested in releasing capital tied up in their residential property using re-mortgage products.