Research shows that half of wealthy individuals do not feel positive about their personal finances.
OUR CLIENTS ARE IN THE OTHER HALF.
Mulberry Bow is a chartered financial planning boutique, based in the City of London.
Advising you on tax-efficient investing starts with understanding what you are solving for and then consistently considering all allowances, including ISA, CGT, EIS, VCT and of course, pensions. As a chartered financial planning boutique, we are also well placed to take you through less well known tax-efficient vehicles such as international investment bonds and investment companies.
Estate planning can be as simple as ensuring Wills and Lasting Power of Attorney documents are in place and current, or it can be much more ‘involved’, it all depends on what you want to achieve. We can advise on all of the key areas and for the bits we cannot help our clients with (writing a trust deed for example) we can introduce you to other professionals who are a good fit. While we are based in the City of London, where appropriate we also lean on our strategic partners in other regions of the UK.
If you are a business owner with a successful business, or have recently exited one, you need advisers who understand there is little or no line between your business affairs and personal finances. Unfortunately, many entrepreneurs find their own planning comes second, often leaving some dangerous gaps, especially if they have a family. We are experts in helping bring it all together, acting as the ‘FD to your personal finances’.
We are independent of all financial institutions, i.e. we sit on your side of the table. This means we can review your pension arrangements from an impartial standpoint and advise on how they might fit into a coherent overall plan. It’s increasingly less about ‘retiring’ and more about working ‘if, when and how’ you wish.
We meet our clients through personal recommendation and one of the most common reasons existing clients refer us to their financially successful friends, colleagues or family members is getting their insurance arrangements. Some people we meet have too much, some have too little, sometimes it has been set up incorrectly or offers poor value. Whether it’s to protect your family or help your beneficiaries with inheritance tax, insurance – sensibly used – can be a very handy part of the overall financial plan.
It’s all about trust
You build trust by understanding what’s important to me and demonstrating you understand.
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Second Lives
Second Lives is a free-to-access series of 12 podcasts produced in collaboration with Jonathan Hollow and Robin Powell, authors of “How to Fund the Life You Want”. The series explores big subjects, such as money and finding purpose in your vocation, with a particular focus on people who have experienced a significant transition in their lives or careers.
Meet the team
Financial advisers who know what they are doing and are motivated by the client’s best interests, rather than a sales target, are sadly rare in our industry, but they are worth seeking out. After all, managing your own personal finances can be a dry affair and an unwanted distraction from enjoying life, but getting it right is critical to your peace of mind.
