Client Scenario Examples

Examples of true-to-life clients


Mr and Mrs M - were dissatisfied with their previous advisers

Clients recommended Mr and Mrs M to talk to us.  They had built up substantial wealth in financial assets (and other assets).

They explained they had been burnt before by slick salespeople.  Not their current financial adviser but she was not investing for growth, just kept things ticking over.  They were concerned about rising inflation (not in the official indices but they could see higher costs everywhere).

We established a more tax-efficient investment portfolio and we have been advising on it since then.  We advised on mitigating IHT.

We manage their pension and ISA investments, each year.  We optimise for CGT, each year.

They are now almost entirely tax-free, for their investments.

We review their affairs regularly.

They had felt very vulnerable given expected long term rises in living costs.  Now they tell us they don’t worry about money.

Retired, successful entrepreneurs

An elderly couple had, some years before, sold their business and retired.  They came to us via their solicitors, with a complex, high value portfolio of many different arrangements.  They had more than enough for their needs and wanted to make sure that:

a) They were optimising their affairs for tax and growth

b) They continued to have a luxurious retirement

c) They would pass on wealth to their children and grandchildren.

After analysis and reporting to the clients, they realised they hadn’t quite understood what their own financial arrangements comprised.

We mitigated IHT, by placing significant funds into specialist trusts, yet we ensured they retained good access to their funds.  They didn’t know you could do that.  Nor did their solicitor!

We established their investment portfolio.  We significantly simplified, and tax improved, their arrangements.

Investment management, tax reduction, inter-generational legacies and clients who sleep much more soundly!

Call Jonathan Davis or email.  We will help you similarly.