Malcolm Edwards is a Chartered Financial Planner and a Fellow of the Personal Finance Society and has been advising clients in a wide area of financial matters since 1987.
Whilst recognising that we are all individuals and will have very personal goals and aspirations, we have found that our clients needs fall broadly in to three key areas;
- Building sufficient assets in a tax efficient manner so that that their long term financial objectives may be achieved.
- Protecting the assets that they have worked hard to accumulate and devising an investment strategy that minimises risk and takes advantage of any tax concessions that may be available.
- Devising a strategy that allows our clients to pass as much of their wealth as possible to their chosen individuals, charities or organisations at an appropriate time whilst retaining control of these assets whenever this is required.
Our initial consultation is provided without obligation. This allows both parties to establish if we are able to assist with your planning needs and if so, we will confirm this in writing providing you with an overview of our discussions and a high level view of our understanding of your requirements. This allows you time to consider our proposals before instructing us to work on your behalf in providing a bespoke solution to your needs.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.