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Committed to building and preservingwealth through generations.
“A BIG PART OF FINANCIAL FREEDOM IS HAVING YOUR HEART AND MIND FREE FROM WORRY ABOUT THE WHAT-IFS OF LIFE.”
SUZE ORMAN
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“IF YOU CAN’T EXPLAIN IT SIMPLY, YOU DON’T UNDERSTAND IT WELL ENOUGH.” ALBERT EINSTEIN
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At Servo Private Wealth, we work with wealthy families, high net worth individuals, business owners and entrepreneurs as well as companies and charities, to help to grow and protect the value of their, and their client’s wealth, over the long term.
Our clients are typically self-made, successful individuals who are either building towards financial independence, or are already financially independent of their work and are seeking to ensure their money lasts at least as long as they do.
We work closely with our clients to enable them to achieve this, whilst also continuing to enjoy and make the most of their current lifestyles.
Almost all of our clients, regardless of how or why they came to us, share one thing in common; they rely on their own wealth and resources to maintain their (and often their family’s’) lifestyles and financial security for the rest of their (and their family’s) lives.
Our aim is to make the complex world of financial services clear, simple and tailored to you.
Our bespoke services and advice are as individual as you are. We take into account your lifestyle, your family, and your interests. We help you achieve peace of mind about your finances, allowing you to get on with the life you wish to enjoy.
We strive to provide clients with an holistic view of their finances, encompassing both investment and financial planning needs. Our aim is to understand the importance of things in your life and help you achieve your short, medium, and long-term goals in the most efficient way.
Financial planning is not about buying products such as pensions, ISAs and bonds. Products may be part of the jigsaw, but as important as they are, they are not the whole picture. Financial planning is an ongoing process to help you make sensible decisions about money and starts with helping you articulate the things that are important to you. It then moves onto building a cohesive strategy to help you achieve those objectives.
HOW CAN WE HELP?
F I N A N C I A LP L A N N I N G
F I N A N C I A LC O A C H I N G
F I N A N C I A LF O R E C A S T I N G
W E A LT HM A N A G E M E N T
T A XP L A N N I N G
L E G A C YP L A N N I N G
L I F ET R A N S I T I O N S
R E T I R E M E N TP L A N N I N G
S U C C E S S I O N &E X I T P L A N N I N G
F I N A N C I A LI N D E P E N D E N C E
T R U S T E ER E S P O N S I B I L I T I E S
M A K I N GI N V E S T M E N T S W O R K
B U S I N E S SP L A N N I N G
C H A R G E S , P E R F O R M A N C E& R I S K A N A LY S I S
WELCOME
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“PLANNING IS BRINGING THE FUTURE INTO THE PRESENT SO THAT YOU CAN DO SOMETHING ABOUT IT NOW.”
ALAN LAKEIN
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C SUITE EXECUTIVES
We work with executives and senior management of larger companies to ensure that each individual has a bespoke plan tailored to their own personal circumstances. We create a plan for the family of the busy executive that is Lifestyle and Goal orientated. We create a financial vision that makes all the hard work worthwhile. Your plan will identify periods of time that may require more cash, (for example putting the kids through school and university), and the plan will also help to ensure that you can enjoy an active retirement.
TIME STARVED
As a successful individual your time will be precious. Having accumulated assets, you’ll want to make sure they are working as hard as you. A financial planner will act as your personal finance director, reducing stress and worry. We help busy and successful people get important stuff done.
RETIRED PEOPLE
We can analyse your current arrangements and give you peace of mind that your pension savings are being managed in accordance with your lifestyle and aspirations. We then help you make the most |of your retirement and show you how much you can/should spend and when, in order to make your funds last as long as required.
SUDDEN WEALTH
Many clients feel a great sense of responsibility when they inherit or win money. You want to make sure you make the right choices for your loved ones and for your own future. A lifetime financial plan will map out your financial options to support your life goals.
PROFESSIONAL ADVISERS
The roles and responsibilities of trustees or professional advisers is complex so we work with you to help make the best use of assets for beneficiaries.
YOUNG AND ON THE RISE
You may be earning significant sums, but without the correct structures in
place, you may find that your finances are not set up in the correct way to help you
achieve your goals. As your wealth grows you’ll have the reassurance that your life goals
and finances are connected through a cohesive financial plan.
BUSINESS OWNERS
We understand the challenges that Business Owners face every day.
We provide Business Owners with financial clarity by creating a long term and flexible financial plan. We design a
bespoke plan which gives you and your family a tax efficient and diversified financial roadmap. This will
help with key decisions, such as whether to sell your business or pass the business to a family
member. This will give you peace of mind and a clear head to focus on what you are good at –
running your business.
APPROACHING RETIREMENT
Understanding your options at retirement is crucial. Many people
are unaware that pensions do not automatically update to reflect new
legislation. This means your retirement arrangements may be considerably outdated and
you may be unable to achieve your retirement goals or leave funds to loved ones. We can explain
the options available to you under your current schemes and ensure that you are set up to fully
enjoy your retirement.
HIGH NET WORTH FAMILIES
For high net worth individuals and families, the complexity of tax,
investment and pension planning increases significantly. We are qualified
to the highest level and are specialists in this area. We can therefore simplify the complex
rules around areas such as lifetime allowance tax charges, and transitional protection whilst factoring
all of the implications into your financial plan.
WHO DO WE HELP?
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“INHERITANCE TAX IS A VOLUNTARY LEVY PAID BY THOSE WHO DISTRUST THEIR HEIRS MORE THAN THEY DISLIKE THE INLAND REVENUE.”
ROY JENKINS
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WHAT VALUE WILL SERVO ADD?
DISCRETIONARY PORTFOLIO & FUND
MANAGEMENT
Whether you wish to invest directly in company shares or via pooled funds, we have access to a range
of underlying investment services which can match your objectives
and preferences.
PROTECTING WEALTH
Protecting you and your family’s standard of living against the
unexpected.
OFFSHORE CUSTODY
Offshore investments are often an attractive option to people where
a parent has provided capital to a minor, or for those who can expect their marginal rate of tax to fall. They are also of benefit to
investors entitled to an age-related allowance, or expatriates investing
while non-resident.
RETAINING WEALTH
Retaining more of your hard-earned money legally and ethically.
MANAGING CASH
We have access to a range of solutions to help you manage your
cash more efficiently and can introduce you to an appropriate provider who can provide highly
competitive rates of interest.
PRESERVING WEALTH
Preserving the value of your estate for the benefit of
your family.
PERFORMANCE & COSTS ANALYSIS
Making your investments work for you: - understanding and managing risks and returns, maximising value
from costs.
A third-party opinion and review costs nothing apart from a little
piece of your time.
MANAGING WEALTH
Ensuring you maximise your standard of living when you don’t want to work so hard.
CREATING WEALTH
Making the most of tax -efficient investment opportunities so that
money is available when you want to spend it.
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“FINANCE IS NOT MERELY ABOUT MAKING MONEY. IT’S ABOUT ACHIEVING OUR DEEP GOALS AND PROTECTING THE FRUITS OF OUR LABOUR. IT’S ABOUT STEWARDSHIP AND, THEREFORE, ABOUT ACHIEVING THE GOOD SOCIETY.”
ROBERT J. SHILLER
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Our overall aim is to bring you peace of mind that your finances have been properly organised and will be continuously
overseen, giving you the best chance of achieving your goals.
0 1DISCOVERY
Establish your goals in life over the short, medium and long term – and assign them an order of priority, recognising the need to strike a balance between sometimes
conflicting aspirations
03ANALYSIS
Analyse that data and evaluate your current financial position – and establish
how close you are to achieving your goals.
05IMPLEMENTATION
Implement your plan – we then discuss this plan with you, make sure it meets your requirements, adapt it if required and put the agreed plan into
action – working as required.
02RESEARCH
Gather data about your current circumstances and financial position and
any foreseeable changes to either.
06REVIEW
On an ongoing basis, meeting with you to discuss matters at least yearly and
adjusting the plan as required to make sure it stays on track.
OUR PROCESS
04RECOMMENDATION
Create a plan – this is a route map of actions that we develop, and which is designed (as far as is feasible) to achieve your different
goals. This will generally involve some degree of financial forecasting and access to a
specialist investment review service.
We have many years’ experience of helping clients. Our starting point is to listen to you. Your story and life plans may or may not have similarities with those of other clients, but the differences will almost certainly be greater. That’s why we take the time to find out what makes you tick before helping you build your financial plan. It will be designed to help you achieve your goals and ambitions. . We will help you take as little risk as is necessary, and no more than you can tolerate.
Having set up your plan, we help you keep control of it and remain on course over time. Changes can occur at any time and for any reason. By helping you to check and update your plan regularly, more often than not, minor adjustments are all that are needed. When more substantial changes occur, we will go back to basics with you so that nothing is missed.
We follow the Chartered Intsitute for Securities and Investment & Financial Planning Standards Board’s proven and rigorous six step approach to financial planning:
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“HOW MANY MILLIONAIRES DO YOU KNOW WHO BECAME WEALTHY BY INVESTING IN SAVINGS ACCOUNTS? I REST MY CASE.”
ROBERT G ALLEN
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• One full-service family office type relationship • One wealth manager providing an overall tax strategy,
hand in hand with your Accountants and Lawyers• One overarching investment strategy with ongoing
monitoring and pricing of investments• Fully transparent charging structure & performance
monitoring
• Maximising usage of tax allowances (which is difficult if you maintain relationships across multiple firms)
• Clear capital and income plan, IHT, & family succession plan
• Total visibility of family balance sheet & performance though online accounts and mobile apps
We are always on hand to deal with queries or provide ad-hoc advice. Being a client of Servo means that you receive:
COMPREHENSIVEFINANCIAL PLANNING
We can ensure that all areas of you and your family’s financial
affairs are handled in a cohesive, tactful and efficient way. COUNSEL AND COACHING
Helping you make the right decisions for you in relation to money and educating the next generation on how to deal with
wealth in a responsible and mature way.
ESTATE PLANNING
A well-executed plan can help smooth potential conflict amongst
family members, minimise Inheritance Tax and preserve your family’s wealth
for future generations so your plans survive for the benefit of others.
TAX PLANNING
This can save you money year after year by protecting your
investment returns from unnecessary taxes.
INVESTMENT MANAGEMENT
We take the time to understand your needs, ambitions and attitude to risk, in order to custom-build an investment strategy around this
focal point – one that’s right for you.
PHILANTHROPY
We can advise and assist in creating a tax-efficient way
for you to donate to worthwhile causes.
INTEGR ATEDWEALTH
MANAGEMENT
THIRD PARTY EXPERTS
We will work positively and proactively with your tax adviser, lawyer, or any other adviser, where this is to your
advantage. We frequently take part in joint meetings with you and a number
of other professionals to pool specialist knowledge.
INTEGRATED WEALTH MANAGEMENT
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“IT’S NOT HOW MUCH MONEY YOU MAKE, BUT HOW MUCH MONEY YOU KEEP, HOW HARD IT WORKS FOR YOU, AND HOW MANY GENERATIONS YOU KEEP IT FOR.”
ROBERT KIYOSAKI
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We work closely with you and your family members to create budgets, cash flow forecasts and other visuals to reach informed decisions.
We move onto advising you on your investment and tax structuring strategies or evaluate your existing arrangements to make sure they match your future financial planning needs. Then we act as the ‘conductor of the orchestra’ – ensuring your financial planning and investment requirements and expectations are met, both now, and in years to come. We earn your trust, so you can have total confidence in our advice and the decisions you make as a result.
We are always very pleased to receive client referrals from professional introducers and we regularly work alongside Accountants and Lawyers as well as other specialists to provide clients with holistic and integrated professional advice.
An integral part of our services are built around the strong relationships that we have developed with our trusted business partners*. We have close working relationships with fellow professional services firms that have been built over a number of years. This ensures that our client needs are fully addressed by a consistent and tailored approach.
INTEGRATED SERVICES
*Introductions to third party providers involves a service that is separate and distinct to those offered by Servo Private Wealth.
B U S I N E S S
G R O W T H A DV I S E R S
S P E C I A L I S T S I N H R , I T,
S A L E S A N D M A R K E T I N G
CO
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NA
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ELEG
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AC C O U N TA N T S
TA X A DV I S E R S
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• We adhere to the highest standard of client care. We’re committed to putting your best interests first by providing holistic advice, risk appropriate investment solutions, whilst mitigating any potential conflicts of interest.
• We have been awarded the prestigious Certified Financial Planner™(CFP) and Chartered Wealth Manager designations by the Chartered Institute for Securities and Investment.
• When it comes to financial planning and advice, a CFP™ professional can help you live the life you want, manage your finances and give you financial confidence.
• Whether you are seeking help on retirement planning, investment planning, or budgeting, a CFP™ professional will work with you to make sure you’re in control of your finances and achieve your life goals.
• CFP™ professionals have the knowledge, skills and experience to help you to review all of your options so you can make informed decisions about what you want from life, both now and in the future.
• Consumers who work with CFP professionals are 36% more likely to feel very confident they will reach their goals and 39% more likely to be very satisfied with their adviser over those working with other advisers. *
• Our main focus has always been on building truly long-term relationships and establishing long-term planning across the generations; we often count two, or three generations of a family amongst our clients.
• We offer advice on an “Independent” basis. This means that we provide unbiased, unrestricted advice based on a comprehensive and fair analysis of the relevant market, giving due consideration to the full range of retail investment, pension and life products available in the marketplace which may be suitable for you.
WHY SHOULD I EMPLOY SERVO?
SERVO’S WEALTH PLANNING SERVICE
• Helps you to answer the big questions, such as ‘How much is enough?’, ‘When can I afford to retire or sell my business?’ and ‘How can I ensure I never run out of money?’
• Helps you to negotiate the technical issues which accompany business and personal success, such as pensions annual and lifetime allowances and ensuring your tax affairs are well-organised
• Is highly personalised, not ‘one-size-fits-all’
• Helps you to achieve and maintain financial independence and a comfortable lifestyle indefinitely
• Simplifies your financial life
• Frees up your valuable time
• Manages your wealth and the risks you are exposed to sensibly and efficiently
• Helps you to avoid costly mistakes and keeps you on track, year by year • focuses on reducing risks and preserving your purchasing power
• Follows a structured, understandable and engaging process
• Includes forward-looking, at least annual planning meetings (as well as ad hoc meetings as required), which you actually enjoy attending!
• Dovetails with the advice and support you receive from your other, third party experts such as lawyers and accountants
• Communicates with you in a way that you can understand - without needing a PhD in Finance
• Empowers you to take sensible decisions. Helps you to achieve freedom and control. Removes the burden of planning and managing your finances from your shoulders
*Source – CISI, The value of financial planning – FPSB consumer survey 2015
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• Annual face to face meetings to review the performance of your investments and make recommendations on any alterations required to ensure that your financial objectives are met, and to take account of any changes to your objectives or personal financial situation over time.
• Ad hoc review meetings as and when changes to your portfolio may be required as a result of immediate or unexpected changes to your individual or family needs and circumstances.
• Access to members of the services team by telephone and email for the provision of ongoing advice, information, and general assistance at all times. This includes assistance in relation to any financial planning issues you may have, even if not directly related to the investment arrangements we have put in place for you.
• Provision of ongoing administrative services relating to your investment portfolio, e.g. valuations, additional investments, withdrawals, regular income payments, portfolio realignments, update of personal details, etc. We also keep detailed records for you of all sums invested and amounts withdrawn from your investment portfolio.
• Personally, tailored advice, assistance, and implementation services relating to your ongoing use of annual investment allowances, tax reliefs, and exemptions based on our expert knowledge of the relevant tax legislation and framework.
• Provision of statements and tax certificates relevant to your investment arrangements as required for the purposes of completing your annual tax returns.
• Liaison with your other professional advisers, e.g. Accountant and Solicitor, to provide a fully coordinated service.
• Regular newsletters to keep you up to date with topical financial planning issues, market developments, legislative changes, etc.
• Access to your own secure online filing cabinet and app where you can store all your personal documentation in one place; accessible wherever you are in the world.
The Discovery Meeting is without cost or obligation. Our fees are straightforward and transparent.
You have the choice at each stage of the discussion whether you wish to
take the next step with us. There is no commitment to progress to the next stage unless you wish to do so.
Our fees will be explained fully in the Service Charter and typically include:
• ADVICE• FUND ADMINISTRATION• PRODUCTS• FUND MANAGEMENT CUSTODY• TRANSACTION COSTS• REPORTING AND TECHNOLOGY
OUR FEES
AS PART OF OUR ONGOING SERVICES, CLIENTS RECEIVE:
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HOW DO I BECOME A CLIENT? IT ALL BEGINS WITH A CONVERSATION, SO LET’S TALK.
Basepoint Business Centre, John de Mierre House, Bridge Road, Haywards Heath, West Sussex, RH16 1UATelephone: 01444 715200
Brighton: Tower Point Platf9rm Floor 5, 44 North Road, Brighton, East Sussex,England, BN1 1YRTelephone: 01444 715200
Servo Private Wealth Limited is a member of Best Practice IFA Group Limited. Best Practice IFA Group Limited is authorised and regulated by the Financial Conduct Authority.
Limited Company registration number 12125902. Registered office:
Tower Point Platf9rm Floor 5, 44 North Road, Brighton, East Sussex, England, BN1 1YR.
Authorised and regulated by the Financial Conduct Authority No: 913631
Brochure design and art direction: Brenton Blue Studiowww.brentonbluestudio.com
CERTIFIEDFINANCIAL
PLANNER
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Servo Private WealthBasepoint Business Centre, John de Mierre House, Bridge Road, Haywards Heath, West Sussex, RH16 1UA
01444 [email protected]
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