Our History

Financial Planning – designed for you.

In 2005, Consilium Asset Management opened its doors for the first time just outside of Bristol. With just one customer on our books at the time, we decided to tailor our approach always to put customers first. Keeping our prices competitive, our advice jargon-free, we have established ourselves as the professional yet approachable team, that keeps your best interests at the forefront of everything we do, over the past 15 years.

As independent financial planners with years of experience, we know the methods and processes that work for your needs. Our focus is on getting you the desired result with the least hassle. Straightforward, trustworthy advice matched with tested strategies makes Consilium Asset Management the smart option for seeking the best independent financial management advice.

We offer a comprehensive advice service covering Retirement Planning, Investment Advice, Tax Planning, and Cash Flow Planning. Click below for more information.

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 fully review 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 most tax-efficiently.

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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.

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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 achieve them. We will also fully review your existing pensions and find the optimum solution for your situation.

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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.

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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 individual 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.

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Making a start

Asking someone to help with your financial planning might seem daunting at first. We recommend carrying out some research first to see whether you would benefit from financial advice. We also advise you to put together a list of questions you should ask any prospective adviser so you can compare the service from more than one advice company.

If the advice company cannot provide a reasonable set of answers to your questions, then don’t engage with them. You could also use a service such as Vouched for to see if the advisory firms suit your needs.

Frequently 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 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 can be your friends and 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 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 it and make 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 important to discuss. It is essential 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 provide. 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

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