Financial planning

You can rest assured when you have a clear plan for the future...

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Financial planning can help you achieve your goals in life, whether it’s a comfortable retirement, buying the home you always wanted, saving for school fees or passing on your wealth.

Saltus financial planners are experts at creating financial plans for clients at every stage of life. Our mission is to help you take control of your finances. We can help you map out your financial and life goals, and ensure that you have a plan that will deliver them. We will help you to navigate the complex landscape of the investment world and assist with structuring your investments in a tax-efficient manner.

We create a personalised and collaborative financial plan with you by listening to, and understanding, your needs and then applying our knowledge and expertise. This not only ensures your money continues to deliver for you but builds enduring personal relationships based on trust and experience.

As an independent financial planning firm, we are able to provide objective advice that is aligned with your best interests. We can offer the best of both worlds, either selecting from in-house investment strategies managed by Saltus Asset Management or from an alternative provider depending on your objectives.

Please fill in your details to arrange a financial review with one of our financial planning or investment experts.

How it works:

  • We will call you back to find out more about your aims and requirements
  • We will arrange a meeting with one of our team at a convenient time, either over the phone, on video, at your home or workplace, or at one of our offices
  • You will be able to ask any questions you have and find out more about managing your wealth with Saltus
  • Your review will be at our cost and there is no obligation to work with us afterwards

Who we work with:

  • Individuals with £250,000 or more in investable assets
  • High earners with £100,000 or more to invest and able to reach £250,000 within five years
Please fill in your details to arrange a discussion with one of our financial planning or investment experts.
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We will treat your personal information with respect. By submitting this form, you understand that we will process your information in accordance with our privacy policy, and that you may receive ongoing insights from Saltus by email, phone or post.

How it works:

Initial call

A quick call to establish if we're the right partner for you and which adviser is best placed to help meet your needs…

Initial call

A quick call to establish if we're the right partner for you and which adviser is best placed to help meet your needs…

Discovery meetings

Your Saltus adviser will spend time getting to know what really matters to you. They'll determine your financial goals and aspirations and understand any concerns you may have too…

Discovery meetings

Your Saltus adviser will spend time getting to know what really matters to you. They'll determine your financial goals and aspirations and understand any concerns you may have too…

Proposal

Our expert team will provide a complete financial overview and produce a personal recommendation to achieve all your goals, big and small…

Proposal

Our expert team will provide a complete financial overview and produce a personal recommendation to achieve all your goals, big and small…

Start our journey together

The beginning of a long-term relationship that will evolve over time…

Start our journey together

The beginning of a long-term relationship that will evolve over time…

Arrange a financial review...

Book a review

What to expect from our financial planning service?

  • A dedicated and highly qualified financial planner as well as an experienced support team.
  • We’ll explore your objectives and requirements in detail, taking everything into account to create a personalised and bespoke financial plan.
  • Your financial plan will be all encompassing whether you need help with retirement planning, investing, pensions, tax efficiency or inheritance tax planning.
  • We harness the latest technology to help you visualise your finances and bring your plan to life.
  • We provide a wide range of investment management solutions so we can find the one that best meets your needs. As a financial planning client, you’ll have access to the Saltus Asset Management team so you can have a clear understanding of their investment views.
  • We’ll work around you, with the ability to hold meetings via video, at your home, at your workplace, or at one of our offices.
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Meet our Financial Planning Team

Our team includes some of the most qualified and experienced financial planners in the industry…

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Financial Planning Frequently Asked Questions

  • Cashflow planning
  • Retirement planning
  • Pension advice
  • Inheritance tax planning
  • Tax efficient saving and investing 
  • Protection – life, income, critical illness and business insurance
  • Financial planning for divorce
  • Financial planning pre and post business sale
  • Specialist personal injury advice

We work with individuals from all walks of life and have a diverse client list consisting of people from professional backgrounds (including senior executives, entrepreneurs, lawyers, accountants, consultants and others) and non-professional backgrounds alike.

We typically work with clients with £250,000 or more in investable assets. However, we do also work with young high earners who have £100,000 or more to invest and are able to reach £250,000 within five years.

This has to be one of the most common questions we are asked as financial planners. The reality is that everyone is different. We’ll take the time to analyse what you spend now, and how this may change in retirement to help provide you with a precise answer. 

We work in partnership with our clients and can take care of all your needs in one place, all supported by industry leading technology.

 As well as surrounding you with a team of highly qualified individuals, we have our own platform, can provide the tax wrappers you require, source investment solutions from the wider market or from our award-winning asset management team, and review your protection needs to ensure your family are looked after should the worst happen. 

Once you have contacted us, we’ll have an initial discussion to understand more about what you are trying to achieve and how your existing assets and investments are structured. We’ll then have some further meetings to garner an in-depth understanding of your requirements and provide you with a report that outlines our recommended financial plan. 

There’s no charge for the initial steps. As our plans are bespoke to your objectives, charges will depend on what’s recommended to you. These will be outlined in full before you progress with us. 

Why Saltus?

Find out more about our award-winning wealth management services…

Finalist

Financial Advisory Firm of the Year

Finalist

Client Relationships Award

Winner

Financial Services, Banking and Insurance Firm of the Year

Finalist

Investment Performance Cautious Portfolios

£2.2bn+

assets under management

18

years working with clients

30+

advisers and investment managers

120+

employees

Discover more

Pensions and retirement planning

Deciding when to retire is a challenging decision and can feel like a leap of faith. At Saltus, we gather information on all of your existing assets and then use our technology and expertise to show you exactly how to achieve the retirement you’re after.

Reducing your tax burden

How to structure your wealth and access income should be approached in a sophisticated way. A detailed financial plan may use pensions, ISAs, general investment accounts, offshore bonds and other tax wrappers to ensure you can draw your money in a tax-efficient manner.

Consolidating your wealth

Holding multiple investment accounts and pensions can mean they’re hard to keep track of and administer. We’ll help you overcome this by consolidating your accounts into a single plan so that you can understand your financial position with ease.

Protecting you and your assets

We protect our cars and houses without much thought yet you might be the most valuable asset in your family. Whatever your situation, we can provide advice to ensure you have the right level of insurance in place to keep your finances protected.

Passing on your wealth

Estate planning is more important than just having a Will. We’ll work closely with you to understand how estate planning, which has emotional as well as financial consequences, can impact your overall financial plan.

Significant life events

Significant life events can present great opportunities but also considerable challenges. Whether you are going through a business sale, divorce or are receiving a lump sum, we’ll help build a financial plan to meet your changing lifestyle.

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Investments do not guarantee a return, the value and the income from them can fall as well as rise. You may not get back the amount originally invested. We provide an Independent advice service. We will recommend investments from the whole of market, across all providers.
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