Private clients

The right independent advice at the right time

Genuinely independent financial planning is much more than just recommending a product to solve an immediate need. It is about creating a financial plan to help you achieve your short, medium and long-term financial goals.

Cash flow modelling can be a key component of your financial planning review and can help you visualise your current financial position to demonstrate how future financial goals and objectives can be achieved.

Pensions legislation has evolved significantly in recent years and many people are unaware of the rules regarding Lifetime Allowance, the Annual Allowance for contributions, Income Drawdown, death benefits and occupational pension schemes.

Whether you want to create, maintain or grow your wealth, it is important you have a plan. With constant changes to the economic, political, regulatory and financial environment, it is crucial that your investments are aligned and reviewed.

Whatever stage you are at in your life, retirement planning is something you should consider, particularly since retirement rules introduced in 2015 made pensions more accessible and inheritable than ever before.

Tax liabilities can be costly and it is important to plan and account for these. Proactive personal tax planning utilising all available and relevant tax allowances should be a key component of every financial planning strategy.

Inheritance Tax (IHT) is a complex subject and is increasingly becoming a concern for individuals, particularly as house prices rise. If your estate is likely to be worth more than the IHT allowances (including the Residential Nil Rate Band) at the time of your death, you need to consider the potential impact of IHT on your family.

Attivo Mortgage Planning can help clients to secure the funding they require, even with complex transactions. For high-value mortgages our well-established relationships with private banks and specialist lenders help to secure individually tailored solutions for our clients.

Attivo Financial Planning has carefully researched and selected products and services from other providers to complement and enhance our offering.

We have established relationships with other relevant professionals who can help you with services such as mortgages, protection, and
will writing.

Either over the phone or at a place convenient for you, one of our Trainee Financial Planners will introduce Attivo Financial Planning to you and answer any questions you have about us or the financial planning process.

The Personal Finance Portal (PFP) provides a clear overview of your finances, so they can be managed and tracked in one place. It is like a personal digital filing cabinet where all of your financial records can be kept, and easily accessible whenever they are needed.

Our quarterly magazine contains information specifically tailored to support the advice you receive from your Financial Planner.

Our fees

Our approach to fees is fair and transparent. We will always explain our fees in an uncomplicated manner and will agree them with you prior to commencement of any work.

We do not charge for an initial meeting but if you ask us to provide you with independent financial advice we will charge you for that advice. We will always agree the fees with you and put details in writing.

Before you become a client of Attivo Financial Planning, you will be given our Private Client Agreement which outlines our fees in detail and gives you a typical example.

Fees can either be settled with us directly, or in most cases, we can arrange for fees to be taken from your existing investment via the product or platform provider. This will be clearly shown on your valuation statements.