Picture your ideal future. What do you see?
Let us help you map out your goals – then find you the best way to get there
A great financial plan isn’t about products. It’s about you.
Clients often tell us our meetings don’t feel like financial planning; they’re more like catching up with an expert friend.
That’s always great to hear. Before we can use our experience to help you, we need to know what you’d like to achieve and – more importantly – why. So we listen carefully, ask thoughtful questions, and explain your options in a clear, down-to-earth way.
And when we talk about your future, you’re likely picturing something more than pensions or investments. So we don’t just use our own expertise as Chartered financial planners – we have renowned accountants at the very next desk. For instance, if you’re selling a home or business, planning succession or inheritance, even buying a boat, those are areas where specialist advice can really help.
What matters is that you have a clear route to achieve the outcome, and the life, you hoped for. You’ll always feel comfortable when speaking with our financial planners, along with being well informed – so however the world changes, you’re calm, confident, and in control.
Build a longstanding relationship
The South West's trusted chartered financial planning firm
200
years of combined financial knowhow
96%
of our clients are happy with our communications
Chartered Financial Planner status means we’re held to standards of professionalism and integrity
We work alongside accounting and tax specialists from PKF Francis Clark for a joined-up approach
Truly independent wealth management
Too often, private banks lock you into their own products. Let us help you bring the best of everything.
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Why choose us?
The region’s trusted Chartered firm with over 200 years of combined financial knowhow. We help our clients to create, keep and grow their wealth.
Aimee Raymond, Financial Planner:
As independent, chartered advisors, Francis Clark provide a holistic approach to financial planning for our clients. This means, rather than focus on a particular area, we take into consideration all elements of a client’s personal and financial circumstances, their health, lifestyle, goals and aspirations, both now and in the future.
This approach means working together with clients in their cash flow plan, guiding them through each step of the journey and identifying not only opportunities to improve their financial position, but any potential threats to their aspiration.
This can include:
- Investments
- Looking at ways to make your money work harder and achieve greater returns
- Provide tax efficiency and utilise personal allowances
- Create a diversified portfolio and
- Consider growth income and ethical options
We can look at pensions, which not only offer tax relief, they are an essential way of saving for the future to provide income in retirement.
As part of our retirement planning advice, we’ll consider:
- Reviewing and consolidating existing or historic pension plans
- Advising regular or ad hoc contributions to plan for the future and utilize personal allowances
- Savings for children or grandchildren
- Addressing income needs in retirement and
- Recommending the most suitable solution from the open market
- As well as tax and estate planning
Estate planning is looking at inheritance tax, often described as a voluntary tax. It’s the tax that may be payable on a person’s assets in the event of their death. We will work closely with our clients to put in place provisions to try and mitigate this tax and preserve their assets for their beneficiaries.
This can include:
- Making gifts during lifetime
- The use of trusts
- Specialist investments that offer relief from inheritance tax, and even
- An insurance policy to pay out the potential tax due on death
Insurance policies doesn’t just have to be for inheritance tax however, have you ever considered how your financial goals would be impacted if you or your partner were to lose your income due to ill health or even the event of premature death?
Financial protection can look at providing cover for your income if you’re unable to work due to illness or injury, can look at a lump sum to provide for you and your family on diagnosis of a critical illness, or even a policy that will pay a tax free lump sum and or income to the estate in the event of your death. This could be particularly beneficial if you’re looking to provide for your spouse or children, or even to protect debts such as a mortgage.
These are just some of the areas where our holistic advice can look to improve your current position. Our bespoke solutions are tailored to your individual circumstances and goals identified by your cash flow plan, focusing on making more of your money, saving your money and protecting your money. If you think financial planning, could be for you, contact us via our website. And one of our financial planners will be in touch.
