Wealth Management
Understanding your overall financial position, making informed decisions and having a plan for the future.
At Culverhouse & Co, our Chartered Financial Planners and IFAs provide wealth management for clients across Kent, South London and beyond, helping individuals and families make the most of their finances.
Whether you are building your wealth, approaching retirement, managing existing investments or thinking about passing money on to your family, we can help you consider your options and plan ahead.
Want to make more of your wealth?
What is wealth management?
Wealth management is about taking a joined-up approach to your finances. Rather than looking at your savings, investments, pensions and tax position separately, it considers how they work together to support your financial goals.
Everyone's circumstances are different. You may be looking to grow your investments, make better use of your savings, prepare for retirement or protect the wealth you have worked hard to build.
Effective wealth management involves understanding where you are financially, where you want to be and what steps could help you get there.
This can be particularly important if you are:
-
Building up savings and investments for the future
-
Managing an existing investment portfolio
-
Approaching retirement and considering how to use your pension savings
-
A business owner looking to build personal wealth alongside your business
-
Receiving an inheritance or a significant lump sum
-
Thinking about passing wealth on to your children or grandchildren
-
Concerned about the effect of taxation on your wealth
-
Reviewing your financial arrangements as your circumstances change
Why take a planned approach to your wealth?
Your financial decisions are often connected. Making changes to your investments, pensions, savings or income can affect other areas of your finances.
Without a wider plan, it can be difficult to see how individual decisions fit together or whether your existing arrangements remain suitable.
Taking a planned approach can help you:
-
Understand your overall financial position
-
Make informed decisions about your savings and investments
-
Consider tax-efficient ways to structure your finances
-
Prepare financially for retirement
-
Protect the wealth you have accumulated
-
Plan for future financial commitments and family needs
-
Consider how you would like to pass wealth on to the next generation
Planning ahead also gives you the opportunity to review your arrangements as your circumstances, priorities and financial needs change.
Wealth management in Kent and South London
Culverhouse & Co provides wealth management and financial planning advice to individuals and families across Kent, South London, East Sussex - and beyond.
Based in Farnborough Village, Orpington, we work with clients in Orpington, Bromley, Sevenoaks, Swanley, Edenbridge, Tonbridge, Tunbridge Wells, Maidstone, Chelsfield, Locksbottom, Petts Wood and surrounding areas.
How Culverhouse & Co can help with Wealth Management
We can help you:
-
Review your existing investments and consider suitable options for growing your wealth over the longer term
-
Consider how your savings fit into your wider financial plans and whether they are working towards your objectives
-
Review your pensions, investments and other assets to help you understand your options for generating income in retirement
-
Look at how your income, investments, pensions and other assets are structured, taking account of available allowances and reliefs
-
Consider how your existing financial arrangements could help protect you and your family against unexpected events
-
Consider how you would like to pass wealth on to your family and the potential Inheritance Tax implications
-
Revisit your plans as your circumstances, objectives and financial needs change
Speak to Culverhouse & Co about wealth management
If you would like to take a closer look at your finances and understand how your wealth could support your future plans, we would be pleased to talk. Whether you are looking for help with your investments, planning for retirement or reviewing your wider financial arrangements, our Chartered Financial Planners can help you understand your options.
We offer an initial free, no-obligation conversation to understand your circumstances and discuss how we may be able to help.
Stay informed with wealth management updates
FAQs
Who needs wealth management advice?
Wealth management can be useful for people at different stages of their financial lives. You might have built up savings and investments, received an inheritance, be approaching retirement or want to make better use of your existing wealth. It can also be valuable for business owners balancing their business finances with their personal financial goals.
What is the difference between wealth management and financial planning?
Financial planning looks at your overall financial circumstances and helps you work towards specific goals, such as retirement, funding education or protecting your family. Wealth management takes a broader view of building, managing and preserving your wealth over time. The two are closely connected and often work together.
Can you help me manage my existing investments?
Yes. We can review your existing investments as part of your wider financial position, taking account of your objectives, attitude to investment risk, capacity for loss and investment timeframe. We can then discuss whether your current arrangements remain suitable and whether any changes may be appropriate.
Can wealth management help reduce Inheritance Tax?
Wealth management can include considering the potential Inheritance Tax implications of your financial arrangements. Depending on your circumstances, there may be opportunities to make use of available allowances and reliefs and plan how wealth could be passed on to your family. Our advice takes account of your wider financial position and objectives.
When should I start planning my wealth?
There is no single right time! Starting earlier can give you more time to build savings, review investments and prepare for future financial commitments. However, it is never too late to review your arrangements and consider whether they still meet your needs.
Do you provide wealth management advice to business owners?
Yes. We understand that business owners often have financial interests that extend beyond their company. We can consider your personal savings, investments, pensions and longer-term financial objectives alongside your wider circumstances. Where appropriate, our accountancy and financial planning teams can work together.
Why choose Culverhouse & Co for wealth management?
Culverhouse & Co brings Chartered Accountancy and Chartered Financial Planning expertise together under one roof. This allows us to consider your wider financial position, including investments, pensions and tax considerations, rather than looking at individual arrangements in isolation. We take a personal approach, with advice based on your circumstances and what you want to achieve.