Who we work with...
We build lasting relationships with clients, helping them to create and maintain the lifestyles they really want - based on a clear picture of their current and projected financial position, updated at least annually.
New clients are usually referred to us by one of their other professional advisers or by one of our existing clients.
Typically, our new clients have a minimum of £500,000 in investable assets (which may include savings, investments and pension funds) and they are usually one of the following:-
Business owner, director or partner.
As a business owner, director or partner, you have the ability to build up your business or take income from it to build up your wealth.
This puts you in a great position – you are able to create the life you want by building up your business or your wealth – or both - to support you and your lifestyle.
A good question to ask yourself is, “how much is enough?”
You may have good income and assets but how will you know when to stop building? How much is enough? What if you stop too late and run out of life or stop too early and run out of money?
That’s where we can help.
We often work with business owners, directors and partners to help them work out their “number” – which is the amount they’ll need in assets or income to support their lifestyle, safe in the knowledge that they'll have enough money to fund everything. Our lifestyle financial planning service can help you to see what your financial picture looks like - both now and in years to come.
With an emphasis on financial products and wealth building, many financial advisers can help you to invest more. But, what if investing more isn't the answer? What if you already have enough and could spend more now, enjoying your life more?
Taking a step back and answering the question 'how much is enough?' may enable you to see choices you didn't know you had.
We can help if you're running a business or if you've sold a business.
If you want to know what our clients say about us, click here.
Senior corporate employee.
Some of our clients are senior corporate employees or they've retired from these positions (but not from life!).
They’ve worked hard over the years, have good income and have built up a number of assets - perhaps pensions, investments and share options. We’re often asked for our help when people want to take stock of where they are, perhaps because they’ve decided it is time to review everything or because they are approaching retirement. Some clients come to us because they’ve stopped enjoying work as much as they used to. They want to do something else and would like to retire early.
It is easy to get lulled into the routine of working hard to earn high income and build wealth. For many people, this was the choice they made to look after their families, perhaps funding education and university fees. It became the routine because it had to. However, there comes a point when these expenses reduce and it is time to start focusing on what you want again.
Sometimes, clients tell us that they don’t know how to stop building wealth and start enjoying themselves more! Saving and investing has become a habit. It is a great habit – without it they wouldn't have built up their wealth. However, there comes a point when the money is there to support you and maybe this means that you can spend more, rather than investing more.
We’re always mindful that none of us can take our money with us when we depart this life. So, if you know what your money is for whilst you’re still here and you have a simple, flexible financial plan based on your desired lifestyle, then you may choose to do more of what you enjoy and less of what you don’t.
People who have received an inheritance or divorce settlement.
If you have received a large sum of money - perhaps from an inheritance or divorce settlement - then you will want to ensure that you make the right decisions for your future. Using our experience of working with other clients in a similar situation, we can help.
The first stage is to find out your lifestyle goals and what this money means for you. For some people, the money creates feelings of fear or responsibility – perhaps the fear of making the wrong decisions or perhaps the feeling of responsibility to “do the right thing” with the money because of where it came from. Understanding that we all view money differently enables us to help clients to use their money to best help them.
We're trained and experienced in putting together financial plans that incorporate lifetime cash flow projections - which show you simply how your money can help you, what capital you need and what your income requirements are - to enable you to live the life you want.
After that, we provide independent financial advice and investment management services - dovetailing any advice at this stage with your financial plan. Sometimes, our financial planning skills enable us to show clients choices that they didn't know they had. This reduces stress and creates peace of mind.
We also have connections with solicitors and accountants specialising in these areas, which means that we can coordinate all of the advice that you need in one place.
Click here to see what makes Enlightened Money different.
New clients are usually referred to us by one of their other professional advisers or by one of our existing clients.
Typically, our new clients have a minimum of £500,000 in investable assets (which may include savings, investments and pension funds) and they are usually one of the following:-
Business owner, director or partner.
As a business owner, director or partner, you have the ability to build up your business or take income from it to build up your wealth.
This puts you in a great position – you are able to create the life you want by building up your business or your wealth – or both - to support you and your lifestyle.
A good question to ask yourself is, “how much is enough?”
You may have good income and assets but how will you know when to stop building? How much is enough? What if you stop too late and run out of life or stop too early and run out of money?
That’s where we can help.
We often work with business owners, directors and partners to help them work out their “number” – which is the amount they’ll need in assets or income to support their lifestyle, safe in the knowledge that they'll have enough money to fund everything. Our lifestyle financial planning service can help you to see what your financial picture looks like - both now and in years to come.
With an emphasis on financial products and wealth building, many financial advisers can help you to invest more. But, what if investing more isn't the answer? What if you already have enough and could spend more now, enjoying your life more?
Taking a step back and answering the question 'how much is enough?' may enable you to see choices you didn't know you had.
We can help if you're running a business or if you've sold a business.
If you want to know what our clients say about us, click here.
Senior corporate employee.
Some of our clients are senior corporate employees or they've retired from these positions (but not from life!).
They’ve worked hard over the years, have good income and have built up a number of assets - perhaps pensions, investments and share options. We’re often asked for our help when people want to take stock of where they are, perhaps because they’ve decided it is time to review everything or because they are approaching retirement. Some clients come to us because they’ve stopped enjoying work as much as they used to. They want to do something else and would like to retire early.
It is easy to get lulled into the routine of working hard to earn high income and build wealth. For many people, this was the choice they made to look after their families, perhaps funding education and university fees. It became the routine because it had to. However, there comes a point when these expenses reduce and it is time to start focusing on what you want again.
Sometimes, clients tell us that they don’t know how to stop building wealth and start enjoying themselves more! Saving and investing has become a habit. It is a great habit – without it they wouldn't have built up their wealth. However, there comes a point when the money is there to support you and maybe this means that you can spend more, rather than investing more.
We’re always mindful that none of us can take our money with us when we depart this life. So, if you know what your money is for whilst you’re still here and you have a simple, flexible financial plan based on your desired lifestyle, then you may choose to do more of what you enjoy and less of what you don’t.
People who have received an inheritance or divorce settlement.
If you have received a large sum of money - perhaps from an inheritance or divorce settlement - then you will want to ensure that you make the right decisions for your future. Using our experience of working with other clients in a similar situation, we can help.
The first stage is to find out your lifestyle goals and what this money means for you. For some people, the money creates feelings of fear or responsibility – perhaps the fear of making the wrong decisions or perhaps the feeling of responsibility to “do the right thing” with the money because of where it came from. Understanding that we all view money differently enables us to help clients to use their money to best help them.
We're trained and experienced in putting together financial plans that incorporate lifetime cash flow projections - which show you simply how your money can help you, what capital you need and what your income requirements are - to enable you to live the life you want.
After that, we provide independent financial advice and investment management services - dovetailing any advice at this stage with your financial plan. Sometimes, our financial planning skills enable us to show clients choices that they didn't know they had. This reduces stress and creates peace of mind.
We also have connections with solicitors and accountants specialising in these areas, which means that we can coordinate all of the advice that you need in one place.
Click here to see what makes Enlightened Money different.