Our personal client path helps you make sense of your future.
It’s a 3 step process...
FREE Initial Meeting
We start with a FREE Initial Meeting to understand the compatibilty of both the client and us.
We assess financial details including a detailed breakdown of income/expenditure and assets/liabilities as well as details of health and a measurement of risk.
Suitability Check/ Pension Review
The final part of the process to assess whether this will be a mutually rewarding relationship we carry out a suitability check.
Tailored to your needs...
Our real world case study examples let you see how your needs and individual circumstances can be best met by our experieced team.
Planning for retirement
|Barry & Brenda||50 & 56||£75,000|
£100,000 and £120,000 in company pensions plus final salary pensions from 15 years’ service with a utilities company and 10 years’ service with a chocolate manufacturer.
Following a pension MOT/healthcheck on the Sarah and Jack’s current situation, the main objective was to consolidate the pension wealth into one single solution.
Cashflow model, move to platform to consolidate savings and pension, transfer one final salary scheme maintain the other, tailored investment solution, flexibility to start retirement when required.
Protecting against the unforseen
|Sarah and Jack||35 & 40||£50,000|
£10,000 plus small works pension
A young family who are looking to protect against the unforseen to cover mortgage and other liabilites
e.g. Life cover to complement existing DIS, PHI, critical illness and savings plans
Making dreams for retirement come true
Pension pot of £500,000
At retirement age and wants to discuss goals for retirement. John wishes to buy a new car enjoy things including travelling to visit friends abroad and be a supportive father and grandfather
A financial plan was developed taking a comprehensive view of the individual's assets, including all pensions and savings accounts. A cash flow forecast was also produced allowing John to look at how their finances would look in five years' time and thereafter.
Inheritance tax planning
|Carol & Simon||66 & 68||-|
Private and state pensions provide an income of £80,000 a year. Topped up with income from their investment portfolio, but it is taxed at the higher rate. UK Investment Property - £300,000 UK Home - £800,000 ISA's - £250,000 Investment Portfolio - £200,000 TOTAL - £2,800,000
Carol & Simon are reviewing their Wills and have asked Prosperis to assess the potential IHT liability and whether there are any options to reduce it through planning.
Set up Discounted Gift Trusts (DGT) to reduce potential IHT, produce suitability report to explain how DGT works and make recommendations
Call us now to book your FREE initial meeting...
We can arrange a time that best suits you to meet with our qualified financial advisers to discuss your personal situation and requirements.
Let us help you get your future sorted today, we look forward to hearing from you!
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Meet the team helping you
Head of Operations
Executive PA and Paraplanner
Corporate Development Director