From your first meeting, you will notice that working with Antler Wealth Management is different. Our number one priority at this stage is to listen and fully understand you, your family and your long-term financial priorities. Wealth Management should never be about short-term transactional fixes, so we always encourage a holistic plan for you and any dependants. We also aim to discover if there is any way we can help you in other non-financial areas via our extensive Antler community.
Once we’ve completed the discovery phase, a detailed discussion will follow around risk appetite and your protection needs.
It is critical to ensure that in the event of a serious illness or death, your family are looked after and not exposed to any financial hardship. We call this a protection review.
After which, we will talk to you about investment risk, which involves you understanding the balance between asset class risk versus reward and agreeing on a suitable level of risk given your objectives. We will challenge you if you are taking too little or too much risk to meet your objectives.
We will introduce modelling and planning towards the end of the risk assessment stage. We use an advanced cash flow modelling software to set out your future path based on pre-agreed assumptions on taxation, inflation and asset growth. We will use your current situation as a base plan, and then look to optimise your planning via carefully considered wealth restructuring. This modelling will form the backbone of all ongoing financial reviews. At this juncture, we will also inform you of any estate planning matters that may be appropriate.
We will work on compiling all of your information and structuring the optimal solution given your requirements. Our proposal will be compiled in a suitability report and the suitability of the advice will be guaranteed by St. James's Place*.
*St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the Group.
Once you are a client of Antler Wealth Management, we encourage regular face-to-face advice to ensure we can provide you with as much support as needed. We will:
By following these steps, we will add significant amounts of additional value in monitoring your investments via tax efficiency and discipline – we call this ‘advice alpha’ and this is what we strive to maximise every tax year for each of our clients.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief is generally dependent on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.