We provide advice on the full spectrum of financial planning needs.

Managing the risk

Through the Knight James Structured Investment Process, we create clearly defined and risk-managed investment strategies.

We use a blend of traditional and innovative financial products from trusted partners.

We construct plans that make sense on every level and that are designed to achieve the goals our clients have set and over the time frame they have set them. This may involve simply reorganising and optimising an investment portfolio at the same time as planning for mitigation of an estate for inheritance tax planning.

From the initial conception of an investment strategy through to the implementation and ongoing regular reviews, we ensure our advice stays true to the financial objective.

We understand personal circumstances can change – they do for us all – sometimes gradually, sometimes in the blink of an eye. Working in partnership as your trusted adviser, we will ensure your financial strategies are flexible and can adapt to the new reality of your life.

We have a simple yet proven service strategy: to ensure our advice and all-round service meets the exact needs and expectations of every single client.

The Financial Conduct Authority does not regulate taxation and trust advice.

The value of investments can go down as well as up and you may get back less than the amount invested.

Covering all the options

The good news is we are all living longer.

The not-so-good news is those extended ‘golden years’ of retirement will place more strain on your wealth, whether you are still in the accumulation phase or have reached retirement.

Like our wealth management approach, our retirement planning service is rooted in a deep understanding of your personal circumstances and your financial objectives. It also seeks to achieve the most tax-efficient outcomes for you.

We work hard to demystify the jargon surrounding pensions and guide our clients through the maze of choice and decisions.

We start with a review of the arrangements that are already in place. It is fair to say many clients are vague about their pension arrangements: they don’t know what they have, where it is or what it is worth. We often find their contributions are into under-performing default funds when better options are readily available.

The Financial Conduct Authority does not regulate taxation advice.

Protecting your assets for many generations, not just your lifetime

It’s not if, but when we die unfortunately. Most people are aware of the importance of making a Will. However, the ability to leave your carefully built assets to your children in the right manner, is crucially important.

To be able to preserve your family’s wealth through Bloodline Planning, using a tried and tested combination of Wills, Trusts and Powers of Attorney will ensure that your Estate is left to your family and their own family, for future generations.

In association with Countrywide Tax and Trust Corporation Ltd, we are pleased to bring our advice to this important area of financial planning, completing our range of services available to clients.

The Financial Conduct Authority does not regulate taxation, trust, will or power of attorney advice.

This is a complicated area of planning and advice. Our trusted business partners are here to help change uncertainty into certainty and provide peace of mind and are able to guide you through the process to ensure that all of your property and wealth planning requirements are taken care of, professionally and sensitively.

Wills

We all know the importance of making a Will, yet only about a third of us get around to making even basic provisions for our loved ones.

By writing a Will and making sure you review it when your circumstances change, you are safeguarding your loved ones from unnecessary future emotional stress and financial worries in the event of your premature death.

It’s a common mis-conception that assets automatically pass to a spouse or registered civil partner on death, but if you don’t have a Will in place your estate will be distributed under the UK rules of intestacy, which means the law decides who inherits your estate and in what proportions.

The Rules of Intestacy aim to take care of spouses, registered civil partners and biological children. However, they don’t make provisions for unmarried partners, step children, friends, pets and charities. Without a Will your property and possessions may end up in the hands of those who you may not have wished to inherit.

Legacy Legal have years’ of experience drawing up Wills for clients ensuring that, after they have gone, those people they care about get what is rightfully theirs.

Trusts

A trust is a legal concept that started in the Crusades and has been developed over the centuries to become a robust mechanism used worldwide. They can be found in everyday life, for example, if you have a pension.

By using trusts to protect your assets, you are able to specify how and when your beneficiaries will receive a benefit from your estate. You can impose conditions or time limits on gifts to individual members of your family. This can be of enormous benefit to their long-term security.

Lasting Powers of Attorney

None of us want to believe that we might lose our mental capacity or how we would cope with our financial affairs if we do.

By establishing Lasting Powers of Attorney (LPA) for Property & Financial affairs and our Health & Welfare it gives someone you trust the legal authority to make decisions on your behalf should you lose the mental capacity to do so.

It is important to set up an LPA while you are still mentally capable, well before you need it. If you become mentally incapacitated later in life and don’t have LPAs in place, your relatives can face long, distressing delays and expense in applying to the court to take control. And don’t assume that because you have set up an LPA, you have lost control. You can chose whether it can be used before, or only when, you lose mental capacity.

The Financial Conduct Authority does not regulate taxation, trust, will or power of attorney advice.