• Laying foundations for growth

  • Connecting your life and your wealth

  • Planning the road ahead

  • Laying foundations for growth

  • Connecting your life and your wealth

  • Planning the road ahead

  • Connecting your life and your wealth

Newman Cozens

Financial Management

BESPOKE SERVICE

The chances are that you’ve had some experience of investing in the past.

You may be the proud owner of various financial products such as pensions, ISAs, savings accounts and investment funds.

You’ve probably sought legal advice on wills and trusts to help protect your estate, but suspect you could do more to reduce your Inheritance Tax liability.

Where you have multiple and potentially conflicting financial needs, you may struggle to understand the role that each financial instrument plays and precisely how these can be shaped and arranged to meet your unique requirements.

How does one element fit with another? Are the products performing as they should? How much income should I draw? What about tax? How long will my funds last?

These are some of the issues that can make financial planning – strategic financial planning – a complicated matter.

But irrespective of the complexities, attaining financial freedom is as much to do with meticulous planning as the effective management of individual assets.

When we develop Your Financial Plan, we take account of every pertinent aspect of your life, both now and in the years ahead.

As well as organising your financial affairs correctly and bringing some life and context to the figures, your plan will put you on course, and keep you on course, for the future you seek.

OUR services

INVESTMENT & TAX  MANAGEMENT
Investment and tax planning

We operate diversified and cost-effective investment portfolios, which are shaped to reflect your unique requirements and your views on risk. These can be arranged to provide income, growth or a combination of both.

We’ll recommend the right combination of financial products within which to hold these investments to help reduce the impact of tax, thereby maximising your returns.

When selecting investments, we do not rely on predictions, estimates or trends; we prefer to draw on proven, evidence-based academic financial theory and research.

RETIREMENT
PLANNING
Retirement planning

Pensions have been through an unprecedented level of change over the last 15 years.

One of the most significant changes means that once you’re over 55 years of age, your pension funds can be used in any way you wish (notwithstanding tax considerations). The problem is, that increased pension freedoms and planning options has, for many people, created more questions than answers:

What type of pension arrangement is right for you? How big does your fund need to be at retirement? What’s the right investment approach? How should you access the fund at retirement? What about leaving a legacy?

INHERITANCE TAX &  LEGACY PLANNING
Inheritance Tax and legacy planning

If the value of your estate after you’ve passed away is likely to exceed the nil rate band threshold for IHT, we can help you make arrangements to mitigate your tax liability — an initiative known as ‘Estate Planning’.

This usually begins with having a correctly structured will, but there are often occasions where trusts or specialised investments could also be suitable.

In our experience, it’s never too early to consider this – more time affords you more tax planning opportunities.

PERSONAL & BUSINESS  PROTECTION
Personal and Business protection

The financial well-being of a family or business can be at risk when life deals a bad hand to the key parties responsible for creating the wealth.

Insurance products can be used to help sustain a successful business or preserve a family’s lifestyle in the event of poor health or worse.

The type of insurance you might require, is determined primarily by your stage of life, wealth, financial commitments and views on risk.

Frequently ASKED QUESTIONS

Where do we start?

An initial meeting gives us the opportunity to get know each other and ascertain whether our service will be of benefit to you. If that’s the case, we’ll explain how we can help and what the precise costs will be. This meeting is at our expense and there is no commitment on your part to proceed any further.

And if I decide to proceed?

We set up a second meeting, which is the start of the planning process. We’ll discuss your current finances, circumstances and needs and want to hear your views about the future. For example: Where do you see yourself in the coming years? What are your major financial concerns? The information you give us at this stage, forms the basis of your financial plan.

What’s in the plan?

The plan will contain analysis, opinions and recommendations on matters relating to investment, retirement, taxation and even insurance where applicable. We will communicate our ideas to you in a clear and concise manner.

If required, your plan will also incorporate a cash flow forecast which will show you precisely where you’ll stand financially in the years ahead. We discuss our thoughts and the recommendations with you and – subject to your approval – start to implement them.

If my circumstances change, will the plan?

Once your plan is up and running, we’ll see you at least once a year (or as often as your plan dictates) to check how things are going. The impact of any changes in your life, objectives, financial markets or legislation since our last meeting will be assessed and if relevant, factored into your plan.

Whose products do you offer?

There are two classes of financial adviser: Independent and Restricted. We’re Independent, so we can select and recommend any product from any provider (subject to our research and due diligence).

Being an Independent intermediary is important to us. It means we solely serve our clients’ interests, not those of a bank, insurance company or fund manager.

What can I invest in?

There are many ways in which you can invest – mainstream investment funds, for example, typically focus on fixed interest (bonds), property and shares. Being Independent advisers, we’re well placed to discuss the features and risks associated with most forms of investment.

Based on our experience and academic research, we believe certain styles of investment are more effective at capturing market returns over the long-term than others and we’re happy to share our ideas with you.

Where is my money actually held?

Client money is directly invested in the fund or product providers we recommend and never by our firm. Many financial products are covered under the Financial Services Compensation Scheme – please see their website for more details (www.fscs.org.uk).

I have other professional advisers, will you have contact with them?

Financial planning is unique in the sense that it reaches into virtually all aspects of a person’s life. It can therefore make sense for us to liaise with any tax, business or legal advisers you work with, particularly if your circumstances are complex. This communication helps ensure our work is accurate and that your team of trusted advisers has an understanding of your big picture.

What are your qualifications?

Our company directors, Jason Cozens and Simon Rustell have been providing financial advice to individuals and business owners for over 28 years. Collectively they have over 50 years’ experience in Financial Services.

Jason and Simon both hold the Diploma in Financial Planning (Dip PFS) and are authorised and regulated by the Financial Conduct Authority to provide financial advice.

What technology is available to me?

Many people acquire all manner of financial products over time and can get confused about what they have, why they have it and how it’s performing. Where suitable, innovations such as wrap platforms enable you to hold multiple financial products in one place (much like online banking). This may be particularly attractive to those who want to see their overall financial picture more clearly and reduce administration.

Contact US

Please feel free to browse our site and do not hesitate to contact us - we will be delighted to hear from you. Simply complete the details requested in the form below or get in touch by phone.

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