Consolidating your wealth

Holding multiple investment accounts not only means they’re hard to keep track of but the administration can be a daunting task…

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Did you know that just under two thirds (62%) of UK adults have multiple pensions? Among those, 21% (more than 6.6 million people) have lost at least one pension pot.

Staying on top of your money allows you to understand where you are now so you can easily focus on where you need to get to.

Maintaining an appropriate risk level is vital and understanding how your investments are performing should be a simple process. Multiple accounts can make this a considerable challenge.

We’ll help you overcome this by consolidating your accounts into one, straightforward plan so that you can understand your financial position with ease.

There are several potential risks to be aware of with any consolidation, such as the loss of valuable guarantees or protected higher tax-free cash percentages. Our expert planners will take care to carry out a full assessment of your assets to ensure these aren’t overlooked.

Arrange a financial review

Get in touch to find out how we can help you to consolidate your assets.

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Financial planning

Financial planning can help you reach your goals in life, whether you want to determine when you can retire comfortably, bring organisation to your financial world or pass on your wealth effectively.

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.

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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