Services
From pension planning to estate protection, we help business owners, entrepreneurs, and families build a clear, tax-efficient path to a secure retirement — backed by evidence-based investing and three decades of hands-on experience.
Who we work with
We typically work with executives, business owners and entrepreneurs who are approaching retirement, transitioning into it, or simply reaching a stage of life where their finances need to be organised more deliberately.
That can mean making sure pensions and investments are structured properly, understanding how much you can afford to spend, protecting what you have built and planning how your wealth will ultimately pass to family and any other intended beneficiaries.
In simple terms, we help you to manage, protect, and enjoy the wealth you have created, and then pass what you don’t spend on a fabulous retirement, safely and tax efficiently to the next generation.
The CLEARER™ Framework
Seven principles, one clear philosophy. CLEARER™ — Clarity, Lifestyle Financial Planning, Evidence Based Investing, Allowance Planning, Risk Mitigation, Estate and Succession Planning , and Reviewing the plan periodically — this is how we turn complex financial positions into a simple plan you actually understand, trust, and can act on with confidence
Clarity
Lifestyle Financial Planning
Evidence-Based Investing
Allowance Planning
Risk Mitigation
Estate Planning
Reviewing Arrangements
Lifestyle Financial Planning
We start with what matters most to you — the retirement lifestyle you actually want — then build a clear, personalised plan to fund it, so your money works toward your goals, not just your balance sheet
Evidence Based Investing
Using Nobel prize-winning research, our EVEST™ approach strips out unnecessary cost and complexity, focusing on strategies with a genuine track record of delivering sustainable, long-term returns
Smart Investing
You don’t need expensive investments or actively managed investments. You do not need to pay high fees nor take risks with your capital. We don’t offer risky investments, nor do we force clients into pre-adjusted risk models based on how they score on tests. We run an evidence-based investing strategy, and everyone under stewardship has the same base model, the only variance being within the weighting of equities and bonds
Tactical Management
Evidence Based
Institutional Grade
Strategy
Our portfolio holds around 15,000 investments across global developed and emerging markets, sectors and regions, significantly reducing concentration risk.
The principal risk is price gyration — temporary rises and falls in value. That volatility is the price of long-term growth and stronger returns. Historically, market falls have been followed by recovery.
What level of price gyration would you be comfortable accepting?
Investment Risk Vs. Return
The chart presents five portfolios. At one end, the portfolio is weighted towards fixed income, bonds and gilts, prioritising stability and capital preservation. Each portfolio then progressively increases its exposure to global equities, accepting greater price gyration in pursuit of higher long-term growth.
Which portfolio feels right for you?
The Estate & Succession Plan™
From inheritance tax to blended families and sideways disinheritance risk, we help you structure your estate so the right people receive the right assets, at the right time — securely and tax-efficiently.
