Navigating Change with Expert Advice

Dealing with change and its impact on your financial future

Life is a journey filled with unexpected twists and turns, and sometimes, these changes can have significant financial implications. Whether facing redundancy, dealing with the loss of a loved one, or going through a divorce, these events can disrupt financial stability and create uncertainty.

Even positive life events, like successfully selling a business, can create new challenges, alongside the more obvious upsides such as a sudden windfall.

However, with careful planning and professional guidance, you can effectively manage these transitions and look to secure your financial well-being.

This information is general guidance, rather than personal advice and offers a light touch overview of some of the circumstances where we can help, rather than an exhaustive guide for decision making. We also have a range of complementary How to guides on a range of financial subjects.

How to Guides

Guidance

All information here is general guidance, rather than personal advice.

Selling a business and managing the financial proceeds

Selling a business can be a life-changing event for entrepreneurs. It can be both exciting and daunting, as it represents the culmination of years of hard work and dedication. It also means that the seller may suddenly have a significant amount of wealth to manage.

This is where a Wealth Planner and Investment Manager can play a vital role. They can help to:

Develop a plan for your new wealth, based on your goals and objectives, such as retirement, funding children’s education, or starting a new business.
Invest the proceeds of the sale, with a qualified Investment Manager to create a diversified investment portfolio that matches your risk tolerance and investment goals.
Manage all of this and any ongoing changes, in a tax-efficient manner, including any support with estate planning services all delivered by different specialists under one roof.

Talk to an Adviser:

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Capital at Risk

The value of your investments may rise or fall and you may not receive back the same amount you put in when you choose to cash out your savings. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

The death of a loved one and financial security

The loss of a loved one is a deeply emotional experience, and dealing with the financial implications can add to the burden. It's crucial to gather all relevant financial documents, notify institutions and creditors, and seek professional guidance for estate administration and asset management.

A Wealth Manager can assist with estate planning, inheritance tax implications, and ensuring the smooth transfer of assets. We can support with a range of financial planning tools and manage investments on your behalf.

Our Family Office can also be a great support and a one stop shop for coordinating all of these services, and ongoing management of planning and investments.

Divorce and financial independence

Divorce can be a complex and emotionally draining process, often involving significant financial considerations. It's essential to seek legal and financial advice to ensure a fair division of assets, address any outstanding debts, and establish a clear financial plan for the future.

Our Family Office has a great deal of experience in helping to navigate this change and will work with our team of Wealth Planners and Investment Managers to provide support in asset valuation, property settlements, and creating a post-divorce financial strategy.

Conclusions

Navigating life's transitions can be overwhelming, but you don't have to face these challenges alone.

For advice on managing a windfall and planning for your financial future, our Wealth Planners and Investment Managers are here to offer advice and create a personalised plan to work towards your goals.

And additionally, our Family Office can provide the expertise and personalised support you need for families who suddenly encounter an unexpected shock, and need some support to manage change, secure their financial future, and move forward with confidence.

Contact us