Planning + Advice
Advice for the decisions that matter.
Our work begins with understanding, not products. Each area below forms part of one connected plan, reviewed as your circumstances change.
Financial Planning
A clear plan built around what you want your wealth to make possible.
We start with your objectives and existing arrangements, then build a plan that shows how your resources support the life you want.
Cash-flow analysis is used to frame the discussion, so decisions can be considered in the context of the years ahead rather than in isolation.
Business Owner Planning
Strategic financial planning for entrepreneurs at every stage of business ownership.
From remuneration and pension planning to protection, exit preparation and post-sale investment, we consider your company and personal balance sheet together.
We work alongside your accountant, solicitor and corporate finance adviser so that advice is coordinated.
Retirement Planning
Structure, confidence and flexibility for the next stage of life.
We consider how income might be drawn from pensions, investments and other assets, and how that could change as circumstances evolve.
Plans are reviewed regularly, because legislation, markets and personal priorities all move.
Investment Planning
A strategy aligned with your objectives, timescale and capacity for risk.
Investment decisions follow the plan, not the other way around. We discuss risk, timescale and capacity for loss before considering any strategy.
Where appropriate, we work collaboratively with discretionary fund managers.
Estate & Legacy Planning
Thoughtful planning to protect family wealth and pass it on intentionally.
We look at wills, lasting powers of attorney, ownership structures and the role of gifting or trusts within a wider plan.
Estate planning works best when it is considered alongside your income needs, not separately from them.
The value of investments can fall as well as rise, and you may get back less than you invest.
Tax treatment depends on individual circumstances and may change in the future.
How we work with your other advisers.
Advice is delivered collaboratively. We work alongside discretionary fund managers, accountants and solicitors—your existing advisers where you have them, or introductions from our network where they would be helpful—so that recommendations are coordinated rather than fragmented.
About AM WealthArrange a private conversation
The next chapter deserves a considered plan.
Whether you are growing a business, preparing for a sale, approaching retirement or thinking about the wealth you will leave behind, AM Wealth can help you take the next decision with confidence.
Conversations are confidential and without obligation.
Advice is provided on an initial discussion basis before any engagement.