Financial Planning

Financial Planning and Investment Management are different, but complementary, disciplines and the best outcomes can be achieved by co-ordinating them. The Financial Planning team works closely with our Investment Managers to give you peace of mind that your long-term financial goals are attainable.

Our Financial Planning clients include:

  • Individuals and couples planning for retirement
  • Entrepreneurs who have sold or are considering the sale of their business
  • Individuals and couples preparing for later life who want to minimise their Inheritance Tax (IHT) bill
  • Those who have inherited control of wealth, often through divorce or bereavement
  • Individuals whose salary package has increased significantly
  • Families planning to transfer wealth down the generations

We offer advice on a broad range of financial planning topics and access to most of the products you will need. This means that we can provide you with an integrated plan that is tax efficient and both maximises and protects your wealth.

To see our helpful guide for when a partner dies click here.

To see our new guide on Year-end tax planning 2023/24 click here.

Financial Planning service

Retirement Planning

  • Strategies for minimising tax paid on retirement income
  • Managing the pension pot lifetime allowance (LTA)
  • Self-Invested Personal Pensions (SIPPS) and Small Self Administered Schemes (SSASs)
  • Defined Contribution (DC) pensions
  • Occupational Defined Benefit (DB) pension transfers
  • Income tax minimisation

Investment Planning

  • Liaison with your Fiske Investment Manager to achieve the growth at the risk levels needed to fund your plans
  • Recommendations on ISAs and other tax-efficient products
  • Funding school fees
  • Later-life planning including eventualities such as care home fees

Tax Planning

  • Minimising capital gains
  • Tax efficient schemes such as EIS and VCT
  • Managing the income tax taper

Estate Planning

  • Inheritance Tax minimisation
  • Trusts

Insurance Planning

  • Whole life assurance
  • Income protection
  • Critical illness cover

Cashflow Modelling

This tool helps you understand how much surplus wealth you have, over and above what you need to fund your retirement in your chosen lifestyle. This can lead to discussions about legacies and wealth transfer strategies. By providing information in spreadsheet and visual formats, cashflow modelling can be a good way for people with different thinking styles to understand ‘big picture’ finances.


The initial consultation with a member of the Financial Planning team is complimentary. Thereafter we charge for the service on a time cost basis.

What do I do if I am interested in your service?

type="image" alt="Debbie Wellfare"
type="image" alt="Isobel van Wyk"

Please let your Investment Manager know of your interest in a financial planning consultation.

Otherwise please contact Debbie Wellfare or Isobel van Wyk by calling 020 7448 4700.