What We Do

Why might you need a financial planner?

We can empower you with our knowledge to help you make informed decisions about your financial future.  By creating a financial plan to meet your goals, we can save you time and money.

Most people lives are busy and complex. We have found taking time out to work with a Financial Planner can lead to improved financial outcomes.

Client Journey

What We Do

We give independent financial advice to individuals, trustees and companies. Being independent, we can advise without bias on any financial products should they be needed within your financial plan.

Initially, we create a financial plan that is designed to meet all your goals. Then every year, we review your plan to ensure that it continues to meet your needs and you are on track to achieve your goals.

Wealth Management

Our investment advisory service that combines all areas of financial planning.

Retirement Planning

Making sure you have enough money and financial freedom to stop working when you want.

Investment Philosophy

Our beliefs, process and principles that guides our decision-making process for client portfolio construction.

Estate Planning

How to pass on your assets to the next generation in the most effective and tax efficient way.

Trustee Services

Assisting trustees to make investment and tax decisions, distributing capital and income on behalf of beneficiaries.

Other Professionals

We work collaboratively with solicitors and accountants, to create the best outcome for our mutual clients.

Our Fees

We at Surrey Wealth are transparent with the costs and services you are to receive from us, and no unexpected costs and charges will arise. Our Information About Our Services details our commitment to our clients, the services we offer and our fee options.

Wealth Management

Tailored investment solutions without bias

At Surrey Wealth, we understand that investments can be complex and deciding where to put your money is not always an easy thing to do. At the heart of our process, is the attention we give to investment risk. These means ascertaining a comprehensive understanding of your financial ability to suffer losses combined with your psychological attitude to taking financial risks. We also consider your investment experience, time horizons and investment objectives.

With so many options available, as Independent Financial Adviser, we can research the investment markets and tailor a solution to your needs without bias.

Retirement Planning

When can I afford to retire?

One of the most common questions we are asked at Surrey Wealth, is, “When can I afford to retire?” With the decline of final salary occupational pension schemes and the flat rate state pension, the onus is now on the individual to save for their own retirement. We have seen pension legislation transform many times since Pension Simplification in March 2006, with each change bringing more complex consequences.

For those at the point of retirement, the myriad of choices available for taking retirement benefits can seem overwhelming. We aim to take the stress out of this process by providing our clients with all the information they require to make informed decisions for their retirement finances.

For individuals planning retirement we can stress test their current plans and develop new strategies if needed. This can be cyclical process, redesigned for changes in individual circumstances, taxation and legislation.

Investment Philosophy

At Surrey Wealth we like to keep things simple and investment charges low.

We make sure that you fully understand any investment before recommending to you.

We believe that the markets are efficient and hard to beat over the long term, as such we include index linked or passive investments, for a proportion of our portfolios. Consideration is also given to Environmental, Social and Governance (ESG) issues relating to investing and include your preferences when constructing a portfolio.

All clients complete an attitude to investment risk questionnaire, where we assess your risk profile and capacity for loss. Once your objectives have been agreed, we then recommend and manage an investment portfolio within your risk tolerance.

The value of your investment can go down as well as up and you may get back less than the amount invested.

Estate Planning

When we discuss Estate planning it involves how to pass on your assets to the next generation in the most efficient way. A significant part of this will usually be minimising Inheritance Tax. This could be achieved by using allowances, making gifts, setting up trusts or simply spending your money.

Early financial planning is essential to ensure that you can pass on as much money as possible to your loved ones when you die whilst enjoying life now and ensuring that you have enough money to live on. Cash-flow modelling is becoming an increasingly key element of our advice process and key to creating an estate plan.

We know that this can be a complex and emotional area of planning, so we aim to work with you to mitigate this.

The Financial Conduct Authority does not regulate taxation and trust advice.

Trustee Services

At Surrey Wealth, we fully understand the responsibilities that trustees have, including their specific their duty of care when it comes to investments.

We create lifetime solutions for each trust, whether newly established or existing, by understanding the aims and objectives. Any income and capital payments to the beneficiaries can then be delivered in the most tax-efficient way.

We provide a full review service for existing trusts, to establish to the suitability of the investments and the respective financial plan, in relation to the perpetuity of the trust.

Other Professionals

Solicitors and Accountants

Family Solicitors
We fully understand the Divorce process and the issues that clients face when separating. Matters can be very complex, with emotions running very high, so we are happy to engage at any stage, from assistance with Form E completion through to decree absolute.  We assist Solicitors in many ways including acting as a Financial Neutral within the collaborative process, implementation of pension sharing orders and budget planning.

We work closely with small to medium businesses and their accountants, assisting the directors with executive pensions, shareholder protection, corporate investment portfolios and key employee benefits.

Private Client Solicitors
At Surrey Wealth Ltd we work closely with private client solicitors assisting them and their clients with inheritance tax mitigation, investment management, trustee advice and all their financial planning needs.

Want to find out more?

Get in touch to find out more, and to understand how we can help you plan effectively for the future. 

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