Creating your financial plan

At Weatherbys we look at all aspects and stages of your financial life. We review the full picture and consider your assets, your income and your outgoings, and assess your future spending requirements. Once we have understood your goals and looked at your current investments, we apply our three key areas of expertise: cash flow and tax planning, structuring your affairs efficiently, and investments.

We want to ensure your money is invested tax efficiently making the most of pensions and ISAs, and that you are not paying unnecessary tax such as inheritance tax. We can also help you select the appropriate insurance cover to give you and your family assurance that you have the right level of protection in place.

The importance of cash flow planning

At the heart of our financial planning service is a financial roadmap. This roadmap is in the form of a personal cash flow plan that will help you map out your financial requirements and will demonstrate how various different scenarios might affect those needs. Not only can a clear cash flow plan help you to save and eventually spend your money in the most tax-efficient manner, it can also give you a deeper understanding of what you are working towards.

A cash flow plan will help you to make the most of your wealth even if you are comfortable that you have sufficient assets to fund your goals – it can take significant outgoings such as school fees into account. A cash flow approach can also identify opportunities that you may not have been aware of.

Reviewing your plan

At Weatherbys Private Bank we are here to support you by finding answers to provide a secure future for you and your family. Your circumstances will likely change, which is why we will be with you every step of the way, reviewing your financial plan regularly to ensure your financial goals remain on track.

Important information

Tax laws are subject to change and taxation will vary depending on individual circumstances. Investments can go up and down in value and you may not get back the full amount originally invested.