How we help real families, like you
Mr and Mrs M
In mid-2007, Mr and Mrs M were referred to us by other clients of Jonathan Davis Wealth Management. They were approaching retirement with the bulk of their pensions and investments in managed funds, property funds and bonds.
They explained they had been burnt before by slick salespeople who were ultimately poor quality advisers. They had a sizable amount in a portfolio. Immediately, we advised to move the invested portfolio to cash as we expected a bear market in those asset classes. We were right! We saved them from a sizable fall in their capital.
Over the next year, we gradually established an overall investment strategy which would minimise downside yet still expect medium-term returns significantly higher than cash deposits.
We also mitigated IHT and CGT. We review their affairs regularly.
They had felt very vulnerable. Now they tell us they don’t worry about money.
Retired very successful entrepreneurs
An elderly couple – retired very successful entrepreneurs, with a complex, large portfolio (by value) of many different arrangements – were referred to us by their solicitor who prepared their wills. They had more than enough for their needs and wanted to make sure that
a) They optimised their affairs
b) They had a luxurious retirement and
c) They would pass on wealth to their children and grandchildren.
First, we analysed in depth what they had. They hadn’t quite understood what their own financial arrangements comprised. We established a bespoke investment portfolio. We significantly simplified, and tax improved, their arrangements. We mitigated IHT yet ensured they retained good access to their funds. They didn’t know you could do that (nor did their solicitor!).
We then arranged and chaired Family Conferences where we and they could explain how their affairs were now established and what the children could expect over the years. These conferences will occur every couple of years so that everyone is happy with the long term arrangements of all the families.
Investment management, tax reduction and clients who sleep much more soundly!