50 MANAGING WEALTH


SAFEGUARDING


ASSETS TO SECURE THE FUTURE


By Michael Shroot CEO, WHN Solicitors


Looking for specialist wealth management advice?


WHN is here to help you, your family and business.


From retirement and investment planning to protection and tax planning, our dedicated wealth management team is here to help.


Contact our team on 01254 272640 to discuss your matter.


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Wealth management extends beyond mere investments; it is a holistic strategy crucial for safeguarding assets during your lifetime and ensuring a secure future for your family and business.


Expert planning is key to mitigating the impact of unforeseen events and planning for the inevitable.


Comprehensive planning Develop a thorough wealth management plan that considers not only investments but also addresses the unique needs of your family and business.


Early action Act proactively to minimise the impact of unexpected events on your assets. Early planning allows you to navigate unforeseen circumstances more effectively.


Tailored strategies Recognise the uniqueness of your situation and implement tailored strategies. Working with a team to ensure ongoing


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assistance will mean you will be best protected should any of your circumstances change.


Family’s future needs Incorporate strategies that ensure financial security for younger generations and preserve family wealth.


Tax mitigation Mitigate taxes, including inheritance, capital gains and income tax, to maximise the returns on your investments and protect your assets.


Long-term asset protection Implement long-term asset protection and estate planning to secure your wealth and provide a clear roadmap for the distribution of assets in the future.


Succession planning Plan for the smooth transition of assets through succession planning, ensuring that your wealth passes to the right individuals at the right time.


WHAT TO CONSIDER BEFORE YOU INVEST


By Charles Higham Associate director, Hedley & Co


For most, investments are not a pressing topic, best left for another day. Yet just a little time spent on our financial affairs can yield long term benefits.


Invest with people you can trust at Hedley & Co, experienced wealth managers providing stockbroking and wealth management to the people of Lancashire & beyond since 1992.


Our Services


Investment Management | Inheritance Tax Portfolio Stockbroking | Exchange Traded Options Stocks and Shares ISA | Pension Investments


Book a free consultation 01254 699333 or 01772 887880 info@hedleyandco.co.uk


Hedley & Co Stockbrokers and Wealth Managers is a trading name of Hedley & Co Stockbrokers Ltd.


Here are a few areas to consider when entering the investment arena.


Time horizon Time in the market vs timing the market: investments historically perform better when left undisturbed. Strategies will vary from firm to firm but your time horizon will often determine what risk the wealth manager can utilise to achieve your objective and the investment strategy to get to your ultimate goal.


Risk and Return requirements Understanding what you require from the investments and the risk you are willing to withstand to achieve the objective. You may be looking to mitigate inheritance tax, provide an income in retirement or perhaps set aside funds for your dependants.


Capacity and attitude toward risk varies immensely between individuals, therefore understanding your own is a vital consideration.


Asset allocation A defining role in achieving superior investment returns: ensuring the investments are spread across a range of economies, sectors, geographies and investment classes is vital. Asset allocation enables diversification and may have an improved impact on a portfolio’s investment return than simply stock picking.


Tax efficiency Whether your wealth has been accumulated, earned, inherited or perhaps gifted, somewhere along the line tax has likely been paid. Wealth managers may look to shelter investments from tax where possible and perhaps futureproof your wealth when passing it on to ensure that wealth is shielded from Inheritance tax as much as possible.


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