Company Ethos and Values

What we believe in

Our values are the cornerstone to helping clients achieve the lifestyle they want and desire. Clients need to trust their adviser. Trust and respect are vital to any client/adviser relationship. We have tried to compile a list of values and aspirations that are central to the service we offer. It is not just about how we treat our clients, but also about how we think and our philosophy on life. Our philosophy on life, values, and money is central to helping our clients achieve their goals and ambitions. Here is a summary of our values:

• Real wealth has very little to do with money. For most people, being able to do the things you love with family and friends is the most important thing in life.
• We want you (the person) as our client, not your money
• Money enables you to do interesting and important things in your life
• Investing without a financial plan will nearly always fail to give you the results you require. A good plan will help you see what needs to happen to meet your goals.
• Financial Advice is becoming more complicated.
• Most investors incur unnecessary fees and charges. The use of technology allows us to remove these costs.
• Life is not a rehearsal. We only get one opportunity.
• It is important to spend quality time with the people you love
• It’s a strength, not a weakness, to ask for help.
• Do something you enjoy every day.
• Understanding issues and problems allows you to think of or find a solution.
• Just because everyone else acts the same way does not make it right.

More about our service

If you would like to learn more about our service, why not visit our Financial Planning Page? Here, we have a video summarizing our service and how we could possibly help you.

Our Services

Consilium Asset Management offers a wide range of services to suit those at any stage of their life. Being a team of Independent Financial Advisors (IFA), we can research the entire market and provide the best product for every individual requirement. In delivering the below services, we embrace technology to ensure the process is as streamlined as possible. Our clients are at the heart of what we do, and we place client objectives at the forefront of all decision-making.

Tax Planning

Nobody wants to pay more tax than is necessary. That’s why we will thoroughly review your current situation and identify steps to reduce the tax you pay. Furthermore, when it comes to taking income from your investments, we will ensure you withdraw funds most tax-efficiently. More on Tax Planning

Investment Planning

We will take all the stress and worry out of investing, leaving you to sit back and let your money do the work. Using our financial personality assessment, we will gain an understanding of your risk profile and then make a recommendation based on this and your objectives. Our use of technology means you can track your investments daily on your phone, tablet or desktop. More on Investment Advice

Retirement Planning

Whether you are looking ahead to retirement or have already retired, we will ensure you achieve the later years you have always dreamed of. We will first understand your specific retirement objectives and then work with you to reach them. We will thoroughly review your existing pensions and then find the optimum solution for your situation. More on Retirement Planning

Sustainable Investments

With social issues and climate change reaching the forefront of investor minds, we ensure that we offer various sustainable investments. After discussing your specific preferences in this area, we will find the investments that meet these needs. We believe in investor power to drive positive societal change, so we will give you the tools to be part of this revolution. More on ESG Investments

Financial Protection

It is vitally important to plan for unexpected events so that you are in safe hands should the worst happen. We will assess your requirements for life assurance, income protection or critical illness cover. Using our independent status, we can access the entire market to find you the best deal on your protection. More on Financial Protection

Frequently Asked Questions

If you have any questions about our services, fees, or any other matters, please get in touch. Below are a few of the common questions we are asked.

Are you independent? We are proud to call ourselves Independent Financial Advisers. We have been Independent since 2005 and have committed to remain so. We are regulated by the Financial Conduct Authority and are free to search the whole market to find and provide the right product for you. What makes you different? We focus on your goals. Every financial plan is unique because no two people are the same. By fully understanding your needs, we are best placed to take a holistic view of your finances and support you in achieving your dreams. Our advisors will use over 35 years of experience to create a personalised financial plan to suit your needs. We make your objectives our own and find no greater pleasure than seeing our clients fulfil their dreams. We aim to build a long-term relationship with you so that we are your friends and your advisors. What services do you offer? Depending on your circumstances, we provide a wide range of services that could benefit you. Some of these are listed below, and all form part of our overall service to you:

• Investment Planning—This involves ensuring your investments align with your risk profile, investment objectives, and views on sustainable investing. We will learn about your personal situation and recommend investments based on that. Whether you have investment accounts, ISAs, investment bonds, or pensions, we will assist you in finding investments you are comfortable with.

• Retirement Planning – there is no more important stage of life than retirement. Having worked for many years, you can now kick back and relax. We will ensure that you can achieve all of your dreams in retirement without worrying about running out of money.

• Family Protection – although uncomfortable to consider, it is a reality for many that lives are turned upside down by sudden illness or death. With the trauma of these being difficult enough to deal with, you do not need to worry about your finances. We will analyse your unique situation to ensure sufficient protection for you and your family should the worst happen.

• Estate Planning – having paid taxes all of your life, the last thing you want to do is lose a large chunk of your wealth to tax after you die. Our estate planning service ensures you know your potential inheritance tax liability and takes important steps to reduce that as much as possible.

• Business Planning—We know how busy business owners are, so our business planning service takes the stress out of various aspects of running your company. This could include how you earn remuneration from your business, how you protect your business against unfortunate events, or how you plan for succession once you decide to take a step back.

• Cashflow Planning – predicting how your finances will look in 10, 20 or 30 years is almost impossible. There are so many factors and variables in play at all times. However, our cash flow planning will give you an insight into the possible direction of your money based on your current situation. Since we will review this yearly, we can ensure your finances are robust enough to meet all your financial goals. For retirees, the biggest question is how much money I need to last the rest of my life. We will help you answer that and ensure your level of spending is sustainable.

What is your process? Step 1 – Free initial consultation Every client benefits from a free initial consultation. This is a chance for us to get to know you and your situation to ensure we can provide sufficient value. You can also ask any questions about our process and the fees involved. Book your free initial meeting here. Step 2 – Fact-find meeting Following this, we will conduct a full fact-find with you. This is an important part of the process because the more we know about you, the better we can understand what you require to achieve your goals. As part of the fact-finding process, we will ask you to complete a Financial Personality Assessment, and it will take time to learn your views on Socially Responsible Investing. We will discuss our fees and complete the necessary paperwork at this stage. Step 3 – Current situation analysis Once we fully understand your situation, we will analyse your current situation and make any initial recommendations. All recommendations will be fully justified using reports, data, and an explanatory meeting. Step 4 – Implementation of recommendations If you are happy to proceed with our recommendations, we will implement them promptly. If you have any reservations about our advice, we will work closely with you until you feel comfortable making any changes. Step 5 – Monitor the financial plan We will continuously monitor your financial plan and ensure you remain on track to meet your objectives. You will receive quarterly investment reports, and we will contact you if anything is essential to discuss. It is important that you understand that you can contact us at any stage if you require clarification or wish to inform us of changes to your situation. Step 6 – Annual review service We will conduct your annual review meeting every year. This will include analysing your investment performance, discussing any changes in your circumstances, and making any recommendations for changes to your plan. If you are at or near retirement, you will receive an Income Sustainability Review. We will ensure your spending levels remain sustainable, considering your situation. How do you charge for your services? Our fees offer a fair fixed fee charging structure that reflects the value we are providing. Our charges depend on your specific situation and requirements, so once we have conducted your free initial meeting, we can provide you with an individual quote. You can choose how you pay our fees, whether directly using bank transfer or from your investments. Our preferred providers can facilitate payments to us so that you don’t need to worry about accounting for our fees in your spending budgets. Where will the meetings take place? Most meetings will occur at our office in Chipping Sodbury, near Bristol. However, we are happy to conduct meetings in your home in certain circumstances. If you have particular needs and find it difficult to travel, we will do our best to make life easy for you. We are also happy to conduct online video meetings if that suits you best. Where can I find out more information? You can get in touch using the below methods:

• Live Chat – by clicking the button in the corner of your screen
• Phone – by calling us on 01454 321511
• Email – by filling in the contact form at the bottom of the page