Wealth Management

Co-ordinate your investments, grow capital and increase your income.

Speak with our chartered financial advisers – we'll provide co-ordinated advice and help you maximise returns from all your investments.

Wealth Management

Wealth management is the understanding and efficient management of each of the components that contribute to your overall wealth. Estate Capital provide co-ordinated advice on deposits, investments, insurance, pensions, taxation and estate planning, to ensure that you’re getting the very best returns from all of your investments.

We believe it’s important for our clients to maintain their quality of life, while also preparing for their future. We focus our advice on creating bespoke wealth management plans that help you fulfil your financial objectives, expectations and responsibilities. By aligning your current circumstances with your objectives, our financial advisers will work with you to create a long-term plan that also gives you the financial freedom to enjoy life now.

We take care to understand your financial position and income requirements. Only through thorough assessment and understanding your requirements, can we construct an investment solution that is ideally suited to you. And, over time your needs and priorities will change and your financial arrangements will need to adapt accordingly.

We want you to benefit from good investment returns as well as being comfortable with the means by which your returns are achieved. It is important that your attitude to risk and your investments are regularly reviewed to ensure that they remain aligned with your objectives.

With a client retention rate of 98.7% and more than £200 million worth of assets overseen by our team, our clients have peace-of-mind that their finances are in safe hands.

Frequently Asked Questions about Wealth Management

Wealth management is the efficient management and co-ordination of each aspect of your overall estate. This includes cash deposits, investments, loans, insurance protections, pension funds and taxation planning.

We regularly review our client’s assets against agreed risk levels and national industry benchmarks in order to match risk and expectations.

We review at each meeting whether your capacity for loss and your appetite for risk remains constant or changed. We act on any changes by adapting your plan.

We review and update our in house investment portfolios every six months. We assess our asset allocation and fund selection from detailed and extensive research completed both in house and via third parties. Third party investments are monitored in the same way to ensure efficient use of capital.

Each week we research the highest paying deposit accounts. This weekly listing helps us advise clients on the best home for cash deposits.

For all clients entering retirement we produce a detailed cash flow model of pension fund capital values and income withdrawal using prudent growth measures. These reports offer clarity and confidence of future income and capital.

We review pension drawdown accounts annually to assess the performance of the underlying funds, current income levels and future needs, changes in legislation and the overall risk and sustainability of the fund.

Any changes in career or family circumstances will prompt the need for a review of personal protection to ensure those who need it are protected fully and effectively.

Areas of Wealth Management

  • New Individual Savings Accounts (NISAs)
  • Investment Funds
  • Investment Trusts
  • Insurance Funds
  • Offshore Investment Funds
  • Offshore Insurance Funds
  • Deposit Accounts
  • National Savings and Investments
  • Enterprise Investment Schemes

Our Wealth Management Specialists

Chris Davies

Chartered Financial Adviser

Phil Johnson

Independent Financial Adviser

Tomiko Evans

Investment Research Analyst

Liam Connor

Client Relations Manager

Need Advice

If you would like to discuss any wealth management issues, we would be pleased to answer any questions you may have.

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© Estate Capital 2014 - 2018. Registered in Wales No. 4688919. Authorised and regulated by the Financial Conduct Authority.