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our clients achieve the greatest chances of success. Each client’s portfolio is tailored to suit their exact requirements, their attitude to risk, their time horizons, their acceptance of volatility and their expectations. The portfolios are strategically aligned and regularly checked for them using a number of industry standard and individually set benchmarks. As we are not discretionary fund


managers, we do not use off the shelf portfolios nor do we use ‘stock’ risk rated portfolios derived from platform providers or discretionary fund management groups. Our desire to satisfy your needs and to provide, as close as we possibly can, a portfolio that satisfies your every ambition is our overriding goal.


WHY DO WE NEED A WEALTH MANAGER? The first thing we must accept is that financial products are not consumer friendly, they are complicated legal contracts, they require careful consideration from a number of different standpoints.


investments A common question people ask is; ‘I have acquired money and I don’t know how to


These investors have accepted that they have neither


get the best returns from it?’ the time,


the desire


nor the knowledge to enter the financial services arena and make these choices for themselves. In fairness why should they? Their chances of making huge mistakes and losing their hard earned capital is very high on their anxiety register. Following a detailed initial consultation,


we complete a full and comprehensive assessment of what exactly the client wants and what they need. We then devise an action plan designed to provide the most tax efficient and safest places to invest. Our internal research analysts


strategically build the portfolio using our state-of-the-art computer systems. We monitor the performance on a regular basis, we will advise when and if changes need to be made to keep the portfolio performing and to ensure that any potential pitfalls can and where possible be avoided. In a nutshell, we manage the integrity of the portfolio so the client has true ‘peace of mind’.


inheritance tax mitigation IHT is an awful tax, it hits your family at the most sensitive time possible, you’ve just lost a loved one and the reality then hits home. Who’s going to pay the tax? If properly planned for, Inheritance Tax (IHT) can be greatly reduced and in some cases be completely avoided. By placing your assets into trusts,


by correctly setting up your Wills and managing your Nil rate allowances, using Gift and Loan trusts, Business Property


Fortune always


favours the brave, and


never helps a man who does not


help himself P.T Barnum


Relief and other sophisticated fully legitimate tax planning opportunities, IHT can be drastically reduced or even fully mitigated (circumstances permitting). To achieve IHT relief you need to plan


in advance and plan well. It’s not all about giving away everything you own, nor living like a pauper just so your beneficiaries can live a life of


luxury on your hard earned


savings. There are a number of great options all of which need to be properly discussed and explained before you proceed. Not all inheritance tax planning is regulated by the Financial Conduct Authority.


pensions Recent changes in legislation now allow much greater freedom to access funds at retirement and this has elevated pensions back onto the menu for a number of people. Our job is to treat your needs for a


pension in the right way. You wouldn’t wish to retire without an income nor investable cash, so you need a tax efficient vehicle to use as a savings area for when you retire. You want the portfolio to be properly


and professionally managed and you want the government to provide you with tax relief on your contributions if


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you’re entitled to them. When you reach retirement you want to access the funds in the most advantageous way possible to either provide you with cash to enjoy or to provide income for your retirement years or ideally a combination of both.


CONTACT US FSC Investment Services Limited is authorised and regulated by the Financial Conduct Authority. The value of your investments can go down as well as up and you may not get back the full amount invested. Some IHT Products are high risk and may not be suitable for everyone. All statements concerning the tax, products and their benefits are based upon our understanding of current tax law and HMRC practices, both of which are subject to change in the future. Levels and bases of reliefs from


taxation are also subject to change and are dependent on your individual circumstances. The purpose of this article is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice.


To discuss your needs or to arrange a personal meeting, please contact us on 01902 422333 or email fsc@fscinvestments.co.uk


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