Insights.
Explore our guides and eMagazine to help you achieve your financial ambitions – whatever they may be.
Current E-Magazine
Worth Knowing.
Guide to
LASTING POWER OF ATTORNEY
Pound Cost Averaging
Smoothing out market volatility
Guide to
FINANCIAL
PROTECTION
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What we do
Advanta Wealth is an advocate of bespoke, face-to-face advice delivered by highly qualified and experienced financial services professionals. We provide a full range of holistic planning services, centred around the creation, protection, and distribution of wealth.
“Over the years I have been a client of Advanta Wealth, the level of support I have received has always been the standout factor in our relationship"
Working with us
Create Wealth.
Distributing Wealth.
Protecting Wealth.
Attitude to Risk.
Asset Allocation Strategy.
Taxation Strategies.
Create Wealth.
For many people, the first step in securing their financial future is to start the process of wealth creation.
High income levels are often accompanied by equally high expenditure and so, little provision is being made for the future. Lifestyle planning and counselling creates awareness of the future and on occasions, cash flow planning and debt management may be necessary to balance current lifestyle with the costs of future lifestyle.
A Wealth Management Plan will identify realistic goals and provide a pathway to achieve them. For more details, see the 6-Step Wealth Management Planning Process and Common Elements in Wealth Management.
Distributing Wealth.
At some stage in our financial future, we must make arrangements to distribute the wealth we have created.
The distribution of wealth is dealt with by two specialised services, Retirement Planning and Estate Planning.
Retirement Planning involves the development of specific planning and investment strategies that recognise the need for income to be derived from the wealth created. Investment strategies are developed to provide the flexibility and security of income linked to your specific needs and which aim to make use of the taxation and pension regulations that apply to retirees.
Estate Planning encompasses how you intend to deal with your estate on death and the development of strategies that fully utilise the allowances available that will minimise the effect Inheritance Tax will have on your estate. Estate Planning extends beyond eventual death to the effective on-going management of trusts that will ensure your wishes are correctly dealt with and your legacy delivered to your beneficiaries.
Protecting Wealth.
Having embarked on the journey of securing your financial future, it is important that the risks we all face in life are managed to improve the chances of success.
Our comprehensive Wealth Management Planning Process will identify the risks that must be addressed to protect your wealth. We are able to provide solutions that protect your current and future assets including:
- Loss of income through the use of life insurance and disability insurance.
- Risk of property loss or damage
- Ensuring that professional and personal liabilities are identified and insured
- Estate planning and trust services to protect against creditors and inheritance tax
- Taxation planning is part of our process as described in Wealth Management
Attitude to Risk.
Understanding your tolerance of investment risk and matching you to the correct investment profile is a critical part of our service.
We will ask you to complete an Attitude to Risk Questionnaire that will then form the basis of discussion with your adviser. Your adviser will also consider other information that you have disclosed including your experience of investment markets and your goals.
Together, we aim to arrive at an agreed understanding of the relationship between investment risk and investment return. It is probable that your Investor Profile will differ for varying goals and the time horizons that your Wealth Management Plan is addressing.
Asset Allocation Strategy.
Once we understand your Investor Profile, we will look to create an asset allocation strategy for your unique requirements.
The mix of investment classes that you hold is the single most important factor affecting investment returns and the level of risk taken when investing.
Advanta draw on the services of Rayner Spencer Mills Research and Schroders, using their 30-years returns forecasts to develop optimum asset allocation models for each of the investor styles described earlier.
Having understood your investor profile and then matched this to a target asset allocation strategy, we will discuss how to best manage your funds with you. Details of this are provided in our Fund Management Solutions.
Taxation Strategies.
There are many legitimate ways to manage the taxation aspects of wealth management.
We actively consider the suitability of the investment strategies available under current legislation and how these can be applied to your current situation and longer term goals. The overall objective is to minimise your tax liability by structuring your investments to make full use of all allowances available.
