The initial advice puts the structure in place. The ongoing work is keeping it useful as the business, family, markets and tax rules change. That means staying on top of the cashflow plan, investments, pensions, company position and the decisions that arise during the year.
I write the plan, give the advice and remain involved when something changes.
That continuity matters. It means I know the business, the household and the reasoning behind the decisions we have already made.
The job is not simply to review a portfolio once a year. It is to keep the different parts moving in the same direction.
A full review of the plan, goals, cashflow, tax position and priorities for the year ahead.
Updated as income, spending, family circumstances and future plans change.
Pensions, ISAs, company cash, extraction, allowances and retirement income considered together.
Globally diversified portfolios, regularly monitored and rebalanced where needed.
Working alongside your accountant, solicitor and other advisers so the advice joins up.
Calls and emails when something material changes or a decision cannot wait until the next meeting.
Review the plan, agree priorities and complete any actions needed before the tax year ends.
Put the agreed pension, ISA, investment, company-cash or protection actions into place.
A quieter check-in covering investments, cashflow and anything that has changed during the year.
Review spending, income and upcoming decisions before setting the priorities for the next year.
The exact timing varies by client. The point is that the work is planned rather than left until something becomes urgent.
Portfolios are globally diversified, low cost and designed to be held through difficult markets.
The investment strategy matters, but it should support the wider plan rather than become the centre of it.
For a fuller explanation of the principles behind Chapter3, you can read:
A 30-minute call is usually enough to understand what you are trying to solve and whether Chapter3 is likely to be the right fit.
Book a 30-minute introductory call