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PLUTUSWEALTHMANAGEMENTINDEPENDENTFINANCIAL ADVISERS

When we created Plutus, we wanted to differentiate ourselves from the majority of financial advisory and wealth management firms. Our aim was and remains to be, to build a company we could be proud of; a company we could believe in. We are a dynamic, growing company; built upon core values of honesty, integrity, transparency and a multi-disciplinary and client focused approach. We offer a service that provides you with value, flexibility and control, priding ourselves on our ability to deliver a fresh perspective and bespoke solutions.

Plutus provides independent financial advice and wealth management services for a diverse range of clients. Whether you are new to financial planning or an experienced investor with a substantial portfolio, we are able to offer efficient and effective solutions that provide the confidence and peace of mind you are looking for. Our emphasis is on building strong, long lasting relationships with our clients.

Award WinningPlutus has achieved consistent recognition as a Top 100 independent financial advice firm and won a number of industry awards including Small Company IFA of the Year. A full list of our latest company and individual honours and awards can be found on our website.

Chartered FirmChartered status is the industry’s gold standard for financial planners, recognising the high level of qualifications attained, as well as an ongoing commitment to Continuing Professional Development and adherence to an elevated Code of Ethics.

Only the UK’s premier financial planning firms qualify for Chartered status; Plutus are very proud to be part of this select group.

Independent Financial AdviceHaving a financial plan is essential but with the ever increasing complexity of the financial world, if you want to achieve your goals in the most efficient manner, having a team of experts in your corner, will prove invaluable. At Plutus we provide you with the knowledge you need to make informed decisions, to improve the future for you and your family.

In a post Retail Distribution Review world, with stricter FCA definitions, true independence has become harder for advice firms to retain. At Plutus we feel impartiality and freedom from product biases forms the bedrock of our client charter and as such we are committed to whatever is required to demonstrate this to our clients and the regulator alike.

In the modern age, where the postal service has largely given way to email and smart phones and tablets take prevalence over desktops computers, Plutus recognises the value technology can have in both the planning process, from research and analysis tools, right through to client presentation but also in the way our clients interact with us on a day to day basis.

Cashflow modelling sits at the forefront of the planning process at Plutus, with our specialist state of the art software, providing a vision into the potential future of our clients’ financial affairs.

By plotting current and projected inflows and outflows, we can look to see the likelihood of meeting your financial goals given your current trajectory. Building on this, we can model the effects of changes to your savings and investment strategy to see how they might help you meet those goals more effectively.

Once we have a plan in place we are able to run numerous “what if” scenarios, allowing us to evaluate your options and give real meaning to the future effects of the decisions you make today.

Whether it’s identifying a future shortfall, which needs attention or a surplus, which allows retirement to be moved forward a year or two, holistic modelling translates financial products and accounts into the things that matter to you and your family.

ServicesWelcome

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It takes as much energy to wish as it does to plan.– Eleanor Roosevelt

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Saving for retirement is easy to put off because of other commitments but the reality is, the sooner you start planning for your retirement, the sooner it will come.

Regardless of the way in which you accumulate your assets, careful planning is needed to ensure they are sufficient to support you in retirement.

Plutus can provide specialist knowledge for those heading towards later life, untangling the complexity, whether you’re approaching retirement or already there. With such a myriad of income options available and ever changing legislation surrounding them, the need for sound, balanced advice has never been so great.

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The question isn’t at what age I want to retire, it’s at what income.

October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February.

Retirement Planning

Deciding how best to invest your money can be daunting; with so many options available and so many uncertainties, how do you choose what’s right for you?

At Plutus all investments are screened by the “Plutus Investment Committee” so that only the investments deemed to offer the best features and value are presented to our clients.

Thorough consideration is given to the risk profile and capacity for loss of each of our clients, to ensure they have a well-diversified investment portfolio that is suitable for them now, with regular reviews ensuring this remains the case.

Plutus also carries out due diligence on an extensive range of discretionary fund managers whose services we call on where a client’s circumstance may warrant them.

Investment Advice

INDEPENDENT FINANCIAL ADVICE

INVESTMENT ADVICE

RETIREMENT PLANNING

MORTGAGE ADVICE

TAX PLANNING

– Mark Twain

– George Foreman

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Investment Advice• Individual Savings Accounts (ISA) • Collective Investment Accounts• Investment Bonds• Unit Trusts / Open Ended Investment

Companies (OEIC) • Investment Trusts • Discretionary Fund Management• Venture Capital Trusts (VCT) • Enterprise Investment Schemes (EIS) • Seed Enterprise Investment Schemes (SEIS)• Offshore investments • Land and Property investments• Child Trust Funds /Junior ISAs• Investment VISAs

Releasing Retirement Benefits• Occupational Pension Benefits• Annuity Purchase • Capped Drawdown • Flexible Drawdown• Flexible Access Drawdown

Building a Retirement Fund• Personal Pensions / Stakeholder Pensions • Additional Voluntary Contribution Schemes (AVC) • Executive & Director Pension Schemes • Schemes for transferring pension benefits • Self-Invested Personal Pensions (SIPP)• Small Self-Administered Schemes (SSAS)

School & Higher Education Fees Planning• University Fees planning• Private School Fees planning

Mortgage Advice• Residential Mortgages• Buy to Let/Let to Buy • Re-mortgage and Capital Raising• Lifetime Mortgages (Equity Release) • Commercial Mortgages• Overseas Mortgages• New Build and Self Build Schemes• First Time Buyers • Self-employed

Personal Taxation• Retirement & Financial Planning • Capital Gains Tax Planning • Will and Estate Planning • Inheritance Tax Planning• Family Trusts • International Tax • Offshore Advice

Corporate Services• Benefits Package Design• Workplace Pensions Advice / Auto Enrolment• Group Private Medical Insurance • Group Income Protection• Group Critical Illness• Death in Service

Personal Protection• Life Assurance • Income Protection• Critical Illness Cover• Long Term Care Planning• Private Medical Insurance • Family Income Benefit

Summary of Services

Whether you happen to be from the British Isles or further afield the Plutus mortgage team are able to guide you through the potential minefield of the mortgage market, where attractive headline interest rates can often be deceiving.

With access to a comprehensive network of private banks to supplement the products of the traditional high street lenders and no ties to any particular provider at Plutus we are confident we can source you the most suitable mortgage solution.

Our extensive product knowledge allows us to advise on every kind of mortgage, be it residential, buy-to-let, commercial, foreign currency or overseas. The Plutus mortgage team will find the best deal for you, in many cases through products that you couldn’t access directly.

Much has changed since 1789, when Benjamin Franklin first penned this phrase, but it still holds as true as the day the ink dried in his Almanack. That’s why at Plutus we believe that if you are looking to build or preserve wealth, tax planning needs to be at the heart of your strategy.

Investment planning, tax planning and estate planning should never occur in isolation, so tax awareness is woven throughout our services and integrated into all of our clients’ financial plans.

Careful planning throughout the year can assist you in reducing the taxes you pay, as well as helping you achieve your financial goals, whether you’re concerned about preserving, growing or passing on

your wealth to the next generation. By developing and implementing appropriate strategies to lessen or shift current and future tax liabilities, you can improve your prospects of meeting long and short-term objectives.

Independent Mortgage Advice

Tax Planning

Everything appears to promise that it will last; but in this world nothing is certain but death and taxes.

People usually are the happiest in their own home.– William Shakespeare

– Benjamin Franklin

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Plutus Wealth Management LLP is authorised and regulated by the Financial Conduct Authority. FCA number 541499. Registered in England and Wales, company number OC342325.