What we do.

Long-term portfolio construction and ongoing management.

We work with clients to understand their financial goals, the time horizon for each goal, and the level of risk that is appropriate to the client's circumstances. From this, we construct an investment plan that aligns the portfolio to those goals - across asset classes, jurisdictions, and platforms.

The portfolio is reviewed at least annually, with rebalancing as required. We provide quarterly reporting on portfolio performance, costs, and significant changes in position.

We do not run discretionary portfolio management in-house. Where discretionary management is the right approach for a client, we work with selected discretionary fund managers and oversee the relationship on the client's behalf.

Planning for income in retirement.

Retirement planning is one of the longest-cycle planning conversations we have with clients. It typically begins fifteen to twenty years before retirement and continues through retirement and into the next phase of the client's life.

The work covers pension consolidation and review, pension transfer analysis where appropriate, retirement income strategy (annuity, drawdown, or a combination), and the wider question of how a client's full financial position - pensions, investments, property, business assets - supports retirement income.

Pension transfer advice, where it is sought, is delivered with the additional care that the FSA's pension transfer rules require. We do not recommend a transfer unless we are confident it is in the client's interests, and we are equally willing to recommend against a transfer where one is being considered.

The tax position around financial planning.

Tax is rarely the reason for a financial decision, but it is almost always part of the consideration. We work with clients on the tax-efficient structuring of investments, pension contributions and withdrawals, and the long-term position around income, capital gains, and inheritance.

The work involves Manx tax considerations, UK tax considerations (where the client has UK exposure), and the interaction between the two for clients with assets or income in both jurisdictions. For more complex tax structuring, we work alongside the client's accountant or tax adviser.

Long-term planning for families and trustees.

Many of our clients are part of broader family financial structures - trusts, family investment companies, multi-generational wealth arrangements. We provide the investment advice that sits within these structures, working with the trustees, settlors, and beneficiaries as appropriate.

We also advise on estate planning for individual clients - how a client's assets are structured to pass to the next generation, with the appropriate consideration of tax, family circumstances, and the client's wishes. For matters that require legal advice, we work alongside the client's advocate.

Clear about how we are paid.

Our fees comprise:

• A one-off fixed planning fee at the start of the relationship, for the initial financial plan
• An ongoing service fee, calculated as a percentage of assets under management, covering annual review and ongoing work
• Hourly fees for specific projects outside the ongoing service

The full fee schedule is provided in our terms of business at the start of the relationship and confirmed in every engagement letter. We do not earn commission from product providers.