You may be at the beginning of your financial journey and looking to establish a financial plan for your future, or heading towards your golden years and needing to consider tax efficient ways in which your estate can be distributed.
Whatever the circumstances, we can help you. Our clients value the benefits of a personalised on-going relationship in the management of their financial affairs.
Since we devote a considerable amount of time to each of our clients, we are totally independent of any third party, act solely in your best interests at all times, and our remuneration packages are tailored to individual client's requirements.
Banner Jones Wealth Management LLP can not only support businesses and individuals who need regular financial planning and wealth management advice, but are also able to assist where there is a need for simultaneous legal advice. With its background Banner Jones Wealth Management will be best placed to facilitate a comprehensive service covering the entire client’s needs under one roof.
Banner Jones Wealth Management puts the client at the heart of everything and will help deliver the very best legal and financial strategies based on a deeper understanding of your circumstances and plans.
Although far from an exact science, financial planning is a process that can produce reliable results when done well. The eight steps outlined in our guide apply a significant degree of discipline, and provide a clear structure for us to build upon as we help ensure the best for your future.
of our clients would recommend us to a friend
(Ongoing Client Survey)
It is now just about 18 months since you took over as financial adviser to both myself and my wife. At our fist meeting I was very impressed at what you told me you could do and what returns might be achieved. I was particularly keen to hear not only how you would manage my funds but also that you would ensure our capital gains tax allowance would be utilised each year.
I thought if you achieved all you said you could you would be doing really well!
We have only recently had our annual meeting and financial report. You have exceeded what you said you would achieve. We were delighted to hear how our funds had been managed and the returns on capital achieved in so short a time and also in a period of such financial uncertainty.
Very well done. Keep it up.
You have two very satisfied clients.
I have now been engaged with Jill and her team for just on 3 years,. Jill and her team have provided me with positive sound boarding in relation to personal wealth planning, aiding me make use of ‘all opportunities’ to plan for my future and that of my family….. becoming a friend in the process also.
My wife and I wouldn’t hesitate to recommend Jill and her team to anyone, who may be considering their financial future…
We’re really grateful for the work you did for us. 10 out of 10!
Cannot fault the service, efficient, prompt and cautious. Matters explained very well and clearly. Pleasantly surprised.
Service provided was excellent. All the staff were very helpful, considerate and professional. I would highly recommend to friends and family.
Frequently Asked Questions
This depends on the type of investment you put the money into – it is important to set aside a level of emergency fund, say 3 to 6 month income on deposit, and then consider a manner to vest additional monies which take account of your financial needs. Part of the initial fact finding processes are to assess which styles of invests are appropriate to your needs.
Yes, after an initial meeting we will be able to assess how we can help you, and outline what, if any charges we would need to levy to look after your financial planning needs. We would then help you to transfer over your plans.
This is one of the most important aspects of financial planning. We will assist you in determining your appropriate attitude to risk, and as important your ability for loss. For example you may wish to have a higher risk tolerance for regular contributions to take account of ‘pound cost averaging’, and/or phase lump sums out of higher risk funds coming up to retirement.
This depends on how you wish to engage us. Most of our clients wish to benefit an annual review, where others wish us to establish the transaction, and then come back to us when/if they choose they need further assistance. This will be discussed at the initial discovery meeting and confirmed in the client engagement letter and the suitability report.
We provide a generic advice service, with most of our clients asking us to look after all their financial affairs. This means that we can oversee all aspects of the planning.
It is never too late – make an appointment we would be delighted to help you.
Yes, we are able to offer you support and advice, and provide backing to your solicitor on you gaining the right outcome. There are several option available to you, and all these will be explained. It is important to not only consider what is relevant today, but also into your retirement. Just a thought, don’t forget your State Pension when looking at this aspect, you can get a forecast here www.gov.uk/government/publications/application-for-a-state-pension-statement
There are many taxes, for example income tax, capital gains tac, corporation tax, inheritance tax etc. Investment tax wrappers work in different ways, and it is important to establish a linked up investment structures which work together to establish the outcome you need from your financial plan. We will review these for you, and at the same time make sure that the charges are the most competitive you can access and that the funds you are investing into are appropriate to your attitude to risk and ability for loss.
In some circumstances that maybe the correct option, but before a decision is made a full review would need to be undertaken. This review would amongst other things look at the type of pension it is, you’re financial planning objectives, the death benefit requirements, charges and your attitude to risk/ability for loss. Only when this review had been undertaken would any recommendations be made to you in writing.