Customer Journey

Customer Journey

Learn how we help you to achieve your goals

The role of The Probate Bureau Wealth Management is to understand the needs and objectives of our clients and provide appropriate advice relating to investment, retirement, tax and estate planning. We can also be on hand to review your objectives on an ongoing or ad hoc basis and advise on the best ways to meet them as and when they evolve.

Financial Planning can be a one-off or ongoing process to help you make sensible decisions about money that can help you achieve your goals in life; it’s not just about buying products like a pension or an ISA. It might involve putting appropriate wills in place to protect your family, thinking about how your family will manage without your income should you fall ill or die prematurely, or spending money differently. It also involves thinking about all of these things and bringing them together i.e. your “plan”.

There are 6 main steps to financial planning:

Establishing your goals can include discussions on the following:

  1. How much your dependents may need if you die, or you are unable to work due to serious illness or injury
  2. How much you will need to save to put your child through education or University
  3. Whether you need to save for a known event or expenditure e.g. a career break, moving house, or a new kitchen or car.
  4. When you want to retire
  5. How much income you will need in retirement
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This involves collating and analysing data on your existing assets and liabilities.

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Once your goals have been established and your assets and liabilities have been qualified, an assessment needs to be made as to how close you are to achieving your life goals. This can include a summary of your tax position and tax planning/saving strategies and the appropriateness, or otherwise, of your existing insurance provision, investments, and pensions.

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If you are not on course to achieve your goals, a strategy will need to be devised to improve matters. This will include recommendations on how to improve how your finances and existing assets are arranged and invested.

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We can implement your plan for you, or we can serve as a financial “coach” to allow you to do it yourself.

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As your circumstances evolve over time, our ongoing support can help you adjust your plan accordingly.

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Establishing a financial plan will provide:

  • Structure to your finances
  • Comfort in knowing that your family will be protected financially in the event of unforeseen circumstances such as illness or death
  • An understanding as to what extent your future life aims are supported by your current finances, and a plan of action if they are not
  • The potential to save Income Tax, Capital Gains Tax and Inheritance Tax*

* The FCA do not regulate some aspects of Inheritance Tax and Tax Planning.

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Our Services

Our services are built on 4 key pillars

Investment Planning

The aim of each investment portfolio is to provide the highest possible return with the lowest possible volatility for your investment risk profile. We are happy to use active management strategies, passive (index tracking) or a combination of both. We also advise on Ethical and Socially Responsible Investments.

Retirement Planning

When you retire, you need an income. We will guide you on the best way to maximise your pensions and investments to give you a sustainable, tax efficient income in retirement.

Tax planning

The Government provides numerous ways to reduce the impact of tax on your wealth, and these are often under-utilised, or even unknown, by many people. Our advice will incorporate tax-efficient strategies.

Estate planning

We provide advice on the best ways to leave your estate to your intended beneficiaries, whilst minimising the impact of tax on death. This may also incorporate planning for Long-Term Care should the need arise, plus guidance on Wills and Lasting Power of Attorney.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

3 Crane Mead Business Park, Ware, Hertfordshire, SG12 9PZ
(+44) 01920 443 283