Saltus Private Office
For individuals with significant assets requiring a private wealth management team at the centre of their financial sphere…
Saltus Private Office clients typically have complex affairs and believe the best outcomes are derived from collaboration, informed by detailed economic, political and market analysis
We understand that managing wealth is not just a responsibility to be taken seriously, but an intellectual challenge which requires clarity of thought and, at times, the courage to follow the direction the analysis points to rather than the path well-travelled.
Your team
Our Private Office clients have unfettered access to our investment management team, alongside their dedicated Saltus Relationship Manager. Importantly, we act as an anchor at the centre of your financial sphere. Clients come to us with legal, accountancy and corporate finance requirements, which we arrange for them via well-established and trusted partners.
Who is Saltus Private Office for?
Saltus Private Office is designed for individuals, families and business owners with significant assets whose financial affairs have become increasingly complex. This often calls for a more considered approach to high net worth wealth management, shaped around the scale and structure of your wealth.
You may be managing substantial investment portfolios, preparing for a major liquidity event such as the sale of a business, or undertaking financial planning with a focus on preserving and transferring wealth across generations.
For others, the priority may be high net worth financial planning for retirement. This could involve balancing growth with capital preservation or bringing greater clarity to evolving financial arrangements, reflecting the broader demands of private client wealth management.
What our private wealth management services include
Our Private Office service brings together a range of interconnected disciplines, ensuring each aspect of your financial affairs is considered in the context of the whole.
Private financial planning
A clear, considered plan shaped around your long term objectives covering retirement, income, tax efficiency, family support and future milestones.
A tailored investment strategy designed around your objectives, risk profile and time horizon, with careful consideration of liquidity and evolving market conditions.
Advice on structuring pensions effectively, including consolidation, contributions, drawdown and planning for how pension wealth may be passed on.
Support in making effective use of available allowances and structures, including pensions, ISAs and other appropriate wrappers, with a focus on long term efficiency.
Estate and inheritance planning
Planning for the transfer of wealth in a way that reflects your wishes, with careful consideration given to inheritance tax and broader legacy objectives.
Specialist coordination
Working closely with your legal, accountancy and other professional advisers to ensure decisions are aligned and implemented effectively.
Why Saltus Private Office
Our Private Office service is shaped by the belief that complexity demands both clarity of thought and depth of expertise.
You will be supported by a dedicated Relationship Manager, alongside direct access to our investment management team – bringing together insight and experience across personal financial planning and investment strategy. This ensures each decision is informed, deliberate and aligned with your wider objectives.
As your circumstances evolve, we provide continuity and perspective – supporting both private financial planning and the broader demands of personal wealth management with a consistent, considered approach. Underpinned by the scale and continued growth of the business, this offers the stability and capability required to steward significant wealth over the long term.
Frequently Asked Questions
What is private wealth management?
Private wealth management is a broad term used to describe support for individuals with significant assets across their financial affairs. It typically combines investment management, personal financial planning, tax considerations, estate planning and long term wealth structuring.
Who is private wealth management for?
Private wealth management is designed for individuals and families with substantial assets and more complex financial arrangements, where a more considered approach to personal wealth management is required.
What is the difference between private wealth management and financial planning?
Financial planning focuses on specific areas such as retirement, tax and income and is typically suitable for all income levels. Private wealth management is more comprehensive. It brings together personal financial planning, investments and wider financial oversight for high net worth individuals.
What is the difference between private banking and wealth management?
While both are tailored to high net worth individuals, there are distinct differences. Private banking often focuses on banking services such as lending, deposits and cash management. Wealth management concentrates more on investments, planning and long term financial decision-making.
Do high net worth individuals need specialist financial planning?
High net worth individuals typically benefit from specialist advice, as high net worth financial planning often involves more complex considerations such as tax, succession and managing multiple sources of wealth.
Can Saltus help with estate planning for high net worth individuals?
Yes. We support estate and succession planning as part of our personal wealth management approach, helping ensure wealth is passed on in line with your wishes and with careful consideration of inheritance tax.
Can Saltus help with high net worth pension planning?
Yes. We provide tailored pension advice, including consolidation, drawdown and structuring income, as part of our broader financial planning for high net worth individuals.
How much do I need to invest to work with Saltus?
Our Private Office service is typically suited to clients with £3 million or more in investable assets, reflecting the level of complexity and support required.
Discover more
Investment management
We are unconstrained, multi-asset class investors with an award winning track record. The asset management team serves both institutions and individuals. This focus and experience means our UK private clients have access to superior investment solutions that are typically unavailable to retail clients.
Investment process
Our team of experts will partner with you to tailor a suitable investment mandate with an appropriate risk budget. Our Asset Allocation Committee shapes the core components of our investment portfolios before assigning capital to various asset classes through an allocation to third party managers.
Track record
We have a long track record of producing superior risk-adjusted returns for our clients. This is in part due to our ability to consistently identify third-party investment managers who outperform their benchmarks. We do this through a proprietary ‘Five Factor’ model designed to identify investment manager capability.
Sustainable investing
We believe in responsible investment management, and so Environmental, Social and Governance (ESG) factors are assessed prior to making any investment decision. We then continue to work closely with third party managers on an ongoing basis to improve their ESG performance.
Professionals
Our expert investment management team has an established history of working in partnership with professional intermediaries. We help provide the support your clients may need and understand the requirements of each separate case prior to designing a suitable investment strategy.
