FINANCIAL
PLANNING

An effective plan for the future.

FINANCIAL PLANNING BY SOVEREIGN

An effective plan for the future

What will your future be like? It can be easy to think of the future as being unknowable, but planning ahead can smooth out many of the uncertainties and help your goals and aspirations become reality. When we work with you, we always encourage you to consider the future you want – and then we help make it happen.

Planning helps you…

Identify goals and aspirations

Make important decisions today

Look after those you love

Look forward to the future with confidence

FINANCIAL PLANNING KEY PRODUCTS AND SERVICES

By identifying future goals and aspirations – for you, your family and your career – we can help you put plans in place that are designed to achieve them. So although financial planning can’t help you see into the future, it can make sure that the decisions you make today are effective in putting your finances on the right track.

Our expert advice is designed to deliver the future you want by selecting the most appropriate financial products and services for your needs. We regularly review your plan to make sure it remains on track, even as your aspirations and circumstances change.

Intergenerational planning
Legacy planning
Lifetime cashflow forecast
Tax planning
Planning for business owners

It was once the case that wealth passed from one generation to the next only when an older family member passed away. But social changes and extended life expectancy mean that this traditional way of doing things may not now be the best way for a family’s wealth to benefit everyone.

We work with you to identify the ways in which family members of different generations can be supported. You may want to fund a child’s education or help them get on the property ladder, or train for a specific career. Whatever your situation, we advise on the financial arrangements that can help everyone make the most of your accumulated wealth at the time that it’s needed.

Although you may have firm ideas about who will benefit from your wealth in the event of your death, making sure your intentions are carried out smoothly can be complex.

All kinds of events can end up knocking your plans off course, and it takes expert advice to make sure your wealth is protected for future generations.

Our team guides you through the process of planning the legacy you will one day leave behind. We consider the effects of inheritance tax and the possibility of unexpected events, making sure your wealth is retained and protected for those you love.

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.

Maintaining the lifestyle you want for the rest of your life means looking carefully at the funds you are likely to have available.

By working with you to identify your goals and understand how you want to enjoy life along the way, we can prepare a detailed forecast that demonstrates how much money you’ll need.

Preparing the forecast is just the start. Armed with this information, we can help put plans in place to make sure you and your family can live the life you want without the fear of running out of money.

Making the most of your wealth means looking at the effects of tax on your assets and putting the most tax efficient arrangements in place.

It will come as no surprise that tax is a complex business, and our expert advice is invaluable when it comes to helping your finances work harder.

No matter how complex your own situation might be, we take account of every detail and make sure your financial plan is built for tax efficiency. From making decisions about when to make major purchases or move investments, to making the most of all the tax allowances you have available, we help minimise your tax liability while always remaining compliant with the law.

The levels and bases of taxation and reliefs from taxation can change at any time and are generally dependent on individual circumstances.

The information on this website is based on our interpretation of the current law and HMRC practice. Taxation legislation and HMRC practice may be subject to individual circumstances or unforeseen changes in the future.

Whatever the size or type of business you run, we can help you identify your goals and put together a financial plan designed to deliver on your aspirations.

It doesn’t matter whether you’re just starting out or your business is mature and well established, our advice is tailored to your specific situation.

From protecting the business you’ve already built up to planning for the day you pass it on, we cover every aspect of your financial life – and always with an eye on the long-term financial security of you and your family.

Why Choose Sovereign?

Personal service with a modern approach.

You deserve the best, that’s what we strive to deliver. We are a well-established business with a large and loyal client base, but we don’t rest on our laurels. Continued investment in technology, training and knowledge keeps us at the forefront of the wealth management industry and means our clients trust us to manage their wealth with care and attention.

Award Winning
Leading the way in wealth management
We are a Principal Partner Practice of St. James’s Place Wealth Management, which is an award winning FTSE100 business and one of the leading wealth management company’s in the UK.
Established
A fast growing business with a proven track record
With a decade of success under our belt, we now help over 13,000 clients with over £2.4 billion of funds under management and have a network of over 50 expert advisers around the UK.
Certified
Driven to achieve the highest standards in our industry
We are committed to achieving the highest standards, all our advisers have a programme of professional development through leading certifiers such as the Personal Finance Society and the Chartered Insurance Institute.