What we believe in
Our values are the cornerstone to helping clients achieve the lifestyle they want and desire. It goes without saying that 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 the way we think and our philosophy on life. Our philosophy on life, values and money is central to how we help our clients achieve their life 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 simply 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 find our more about our service, why not visit our Financial Planning Page. Here we have a video that summarises our service and how we could possible 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 are able to 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 conduct a full review of your current situation and identify steps to reduce the amount of tax you pay. Furthermore, when it comes to taking income from your investments, we will ensure you withdraw funds in the most tax-efficient manner. More on Tax PlanningInvestment 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 PlanningRetirement Planning
Whether you are looking ahead to retirement or have already retired, we will make sure you achieve the later years that you have always dreamed of. We will first understand your specific retirement objectives, and then work with you to reach them. We will fully review any existing pensions you have and then find the optimum solution for your situation. More on Retirement PlanningSustainable Investments
With social issues and climate change reaching the forefront of investor minds, we ensure that we offer a range of different sustainable investments. After a discussion with you about your specific preferences in this area, we will find the investments that meet these needs. We believe in investor power to drive positive change in society, so we will give you the tools to be part of this revolution. More on ESG InvestmentsFinancial 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 individual requirements for life assurance, income protection or critical illness cover. Using our independent status, we can then access the entire market to find you the best deal on your protection. More on Financial ProtectionFrequently Asked Questions
If you have any questions about our services, fees or any other matters, please get in touch with us. Below are a few of the common questions we are asked.
Are you independent? We are proud to call ourselves Independent Financial Advisors. We have been Independent since 2005 and have made a commitment to remain so. We are regulated by the Financial Conduct Authority and are free to search the whole of the market to find and provide the right product for you. What makes you different? We put your goals at the heart of what we do. Every single financial plan is unique because no two people are the same. By fully understanding your needs, we are then best placed to take a holistic view of your finances and support you in achieving your dreams. Using over 35 years of experience, our advisors will 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. Our aim is to build a long term relationship with you so that we are your friends and your advisors What services do you offer? We provide a wide range of services that could be beneficial for you, depending on your circumstances. 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 you have sufficient protection in place for you and your family should the worst happen.
- Estate Planning – having paid tax 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 be how you take remuneration from your business, ensuring your business against unfortunate events, or succession planning once you decide to take a step back.
- Cashflow Planning – trying to predict 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 every year, we can ensure your finances are robust to meet all your financial goals. For retirees, the biggest question is how much money do I need to last the rest of my life? We will help you answer that and ensure your level of suspending is sustainable.
- 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