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Financial planning for the life you want to live

A financial plan leaves no milestone unturned and will help you plan for changes or life goals big and small. Plus, we’ll add peace of mind by helping you be more financially resilient should you hit any speed bumps.

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Feel Good About your Financial Future

Financial planning isn’t a one-off activity; it’s a journey which spans a lifetime, aligning your personal goals, your values and your ambitions with your money.

We work with you to understand your life goals and plans; to get to know what makes you tick and to ensure your capital is invested in a way that aligns with your personal values. Everyone is different. We help plan for the life events that may knock you off course and we steer you in the right direction.

Throughout your life you’re likely to need different financial products. Whether you’re interested in Investments, Pension advice, protection, savings or tax Neo Wealth can help.

Wealth Management
Pensions
Tax Planning
Investments
Wealth Management
Pensions
Tax Planning
Investments

Protection and Assurance

We all want to feel secure, so ensuring you have financial protection against the impact of an accident, illness or an untimely death is of paramount importance. We can help you identify and prioritise the key risks you should insure against and find the most suitable products from reputable providers. This will ensure you achieve the best value for money, structured to ensure maximum benefit for every pound spent, so that your family’s independence is protected and your business is securely underpinned.

Savings

Get your savings on track

Whether you’re just starting out or finally taking control, Neo Wealth makes it easy to save for the future. Regular savings are the foundation of your future financial security and an important step towards achieving your future aspirations. However, with a plethora of different routes to saving, many feel uncertain about the best ways to save. From finding the right balance between monthly income and how much to save each month, to deciding on the best place to invest your hard-earned money, it’s easy to feel as though you aren’t making the right progress with your savings. There’s a balance to be struck between saving and living but well-placed savings provide you with the peace of mind that your money is working to secure the financial future you want.

Investment

Grow your wealth your way. Investing is about planning and strategy

Our investment philosophy is built around you. We construct portfolios based around your financial goals and invest based on your risk appetite and time horizons. When it comes to planning for you and your family’s financial future, how you choose to invest will depend entirely on your personal circumstances and what you want to achieve. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income, growth or a combination of the two, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals. We believe investing should be a clear and straightforward experience. We build and manage diversified portfolios, using technology to keep charges low and clearly show where you’re invested so you can watch your savings grow in real time.

Pensions

Not sure how best to prepare for retirement?

There are a lot of things to consider when thinking about retirement planning, and these are important decisions. Making the right ones means you set yourself up for the best retirement possible while also taking care of your family’s future. People today increasingly enjoy multiple careers, likely resulting in multiple pensions, with different providers and associated administration. Neo Wealth can help you with everything pension-related, tracking down old schemes, talking about accumulation, drawdown and even pension transfers. We can help you get to grips with how pensions work and manage everything effortlessly for you.

Wealth Management

Structuring Your Financial Assets

Advice on how best to structure your family’s financial assets is we believe critical. If it’s going to deliver the best outcomes, it’s best done at the outset: so Wealth Planning is where we invariably start. No matter what the future brings, we can offer you foresight in a world in flux. We’ll work with you to keep your financial goals on track, and your future within sight. If there is a downside to wealth, it’s the time it takes to keep on top of things and ensure that your assets work hard for you. Often, the more successful you become, the less time you have to manage your personal finances.

Tax Planning

In this worldnothing is certain other than death and taxes!

The greater your wealth or income, the more tax you may be expected to pay. Whatever your circumstances, we can provide you with access to tax expertise and strategies to ensure that your finances are optimised for overall tax efficiency. We can make the most of your annual allowances and exemptions, and place assets in effective wrappers to minimise the tax you have to pay. Our advice on trusts can help achieve substantial savings in inheritance tax and control what happens to your estate, both immediately after your death and for generations to come.

Our Process

We aim to be as transparent as possible about our service and fees. Below, you will find our process, detailed in concise, jargon-free language. Are:

Planning

Stage 1

Getting to know you
  • Fact finding process
  • Establishing objectives and requirements
  • Assessing your views on risk
  • Introduction to cashflow modelling
  • Presented with our retail client agreement

Stage 2

Advice & Recommendations
  • Investment and planning reports
  • Strategy and asset allocation
  • Tax efficiency and product flexibility assessment
  • Carrying out fund switches to existing investments
  • Surrendering existing products
  • Arranging new products
  • Managing out of market risk for transfers

Stage 3

Ongoing service

Updates of:

  • Circumstances
  • Objectives
  • Risk

Reviews of:

  • Financial plan and strategy
  • Performance
  • Cashflow forecast
  • Assessment of continuing suitability

Value of Advice

Advice pays. Here's the evidence.

Studies show that those who take independent financial advice are better off than those who don’t.

ADVISED

£132,921

NON-ADVISED

£92,921M

Investments

Consumers with advisers save longer and contribute more to investment products, leading to an average of £40,000 more in investment value than those without advisers.

ADVISED

£59,000

NON-ADVISED

£38,918

Savings

Consumers who seek advice on cash-based saving products save an average of £20,000-£59,000 more than those who did not seek advice.

ADVISED

£175,121

NON-ADVISED

£92,616

Pensions

The average pension pot for consumers with financial advisers is nearly twice the size of those without advisers.

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Get in Touch

You can keep on top of relevant industry news by checking out our blog page, where we discuss topical subjects to further help you answer any questions you may have. We also have free wealth calculators, pension calculators and free download guides throughout the website.

To learn more about how we can help you, contact us today:

0161 388 8875

[email protected]

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