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Financial Planning

Wealth Management

Using an experienced wealth manager will help you to grow capital and preserve your wealth in the most efficient way. Your portfolio is likely to include a number of assets, from property and investments through to savings and pensions. By taking a more holistic view of your finances, Kirk Rice is able to make recommendations that can have a significant positive impact on the financial future of you and your family.

What our wealth management service includes

Once we’ve got a full picture of your current circumstances and financial goals, we’ll set to work. We’ll look at things like investment performance, risk, charges and product flexibility to fully understand your current provisions. Only then can we help you put a realistic wealth management strategy in place.

We may suggest our model portfolio service for the investment element of your assets, for example. In terms of wealth preservation, we’ll work with you to establish a risk profile so that your portfolio matches the level of risk you are willing to take. Tax planning also allows us to find ways to make sure your money is working for you and not the tax man.

There might be family to consider too. We advise on beneficiaries and death benefits, and can look at inheritance tax strategies or make use of trusts to save your estate from being eroded by paying unnecessary taxes.

Or perhaps you need to consider multiple objectives. For example you might want an income but also need to preserve capital value. Or you might need to take tax-efficient wealth distribution into account.

We are not tied to the products of a particular provider. Kirk Rice acts independently, which means we are able to consider the whole marketplace – so you get access to the best products available. And with the help of a dedicated in-house paraplanner we’ll carry out extensive research to find the most suitable providers on your behalf.

 

An ongoing wealth management service

The frequency of reviews will be discussed and agreed with you. As an example, our model portfolios are reviewed every six months (in January and July). Following each review you will receive an email which will clearly:

  • Summarise the performance of your portfolio
  • Summarise the proposed changes
  • Provide a link to a detailed portfolio report, portfolio update report and rationale for our recommendations
  • Ask for your permission to make any recommended changes

Each review includes a realignment of your investments where necessary. Also, Kirk Rice’s Investment Committee are regularly meeting fund managers, attending webinars and seminars to keep up to date with fund managers’ views. All of this is taken into consideration at our six-monthly reviews.

We don’t make any changes to your investments without your consent. And we’ll provide all the information you’ll need – including the rationale for changes and in depth analysis – to enable you to give us the go-ahead.

Occasionally a situation may occur that warrants a change outside the normal review period. An example could be the unexpected departure of a fund manager. In this case, we would get in touch during the interim period with our recommendation. (Any recommended switching between funds is free of charge.)

On top of this twice-yearly review you will also have a review meeting with your adviser. This will typically be annually, but can be tailored to your requirements. This provides you with the chance to discuss your situation face to face and to review your objectives and progress to date.

 

How do we decide on your mix of investment assets?

We help you make investment decisions by looking at both long and short-term opportunities and risks. Firstly, we use the expert analysis of global financial management firm Towers Watson to assist us with asset allocation. This helps us to decide the right long-term (10-year) mix of assets for each of our portfolios.

While most investments are allocated with a medium to long-term time horizon in mind, the market inevitably creates shorter-term opportunities and risks. So we balance this analysis with the Market Sentiment information, which is provided to us by a number of fund management groups. Market Sentiment offers fund manager views of the expected performance (positive or negative) of different asset types over a shorter time frame of six to 18 months.

A no-obligation wealth management meeting

You receive a no cost, no obligation meeting with one of our wealth management specialists. They will discuss your circumstances and objectives, as well as your attitude towards risk. Everybody’s circumstances differ and this way we can talk about where we can help you specifically.


 

Kirk Rice LLP is authorised and regulated by the Financial Conduct Authority (www.fca.org.uk/register). FCA Registration No: 531538.

Kirk Rice LLP is a limited liability partnership registered in England & Wales (Registered Number: OC354936) and having its registered office at The Courtyard, High Street, Ascot, Berkshire, SL5 7HP.

Testimonials

I have had the pleasure of working with Peter for a number of years. He has a fantastic grip on all the latest legislative changes, is very attentive, builds a great rapport with his clients and offers sound financial advice.

David Gray -