Financial planning

At Seabrook Clark, we recognise that, when it comes to financial planning, there’s no such thing as one-size-fits-all advice. A tailored approach is always required, one that takes into account the funds you wish to invest, your current circumstances and, crucially, your future plans. 

When it comes to looking at your individual needs, we use our expertise in different areas to provide a bespoke package of comprehensive advice that suits your requirements and helps target your financial goals. 

Cash flow modelling / Financial plan

A comprehensive financial plan underpins our advice and gives you clarity in respect of how your financial goals in life can be met and if you are on track.

Developing a financial plan involves us spending time getting to know you, understanding your current situation and setting goals and milestones. 

We use cashflow modelling to show how you can progress towards your financial goals over time. 

Financial planning  may include specific savings objectives, repaying mortgages, retirement or estate planning. It would also cover protection arrangements to cover catastrophe planning. 

At our regular review meetings with you, we would check progress against the plan to help ensure you remain on track, taking account of market dynamics and any changes in your personal situation. 

Asset
protection

We advise on asset protection to help preserve and protect family assets over time, so your estate passes to your chosen beneficiaries at the most appropriate moment.

Central to any strategy is writing a Will and ensuring it is kept updated to reflect any changes in your personal situation. Your Will appoints your chosen executors to deal with your estate in accordance with your wishes. 
 
Asset protection strategies may also include a family trust, which can allow children to benefit during your lifetime, whilst protecting wealth from the risk of being dissipated on divorce. 
 
Trusts can also be used to help protect assets from the risk of being dissipated if care is required in later life. 

Divorce

We can act on either a party appointed basis or as an expert financial neutral on divorce. Our expertise covers all financial issues arising on divorce, particularly pensions and how best to divide them. With pension reports we typically work with solicitors, mediators and actuaries. 

In addition to pensions, divorce throws up a lot of financial issues which need to be worked through to ensure that a financial settlement can be agreed by both parties. This may include house moves, mortgages, reviewing life assurance and protection arrangements, ISAs, investment portfolios and shareholdings in family businesses. 
 
Often, one party in a divorce may receive a lump sum which will require investment to provide an income over time. We have extensive experience in advising on how best to generate income from investments with an appropriate level of risk. 

Let's
chat

Contact

Fill in our online form and one of our advisers will call you back

Email

info@seabrookclark.co.uk

Call

London: 0203 5986528

Exeter: 01392 875500

Trustpilot
SOLLA
STEP
Exeter Living Awards 2020
Pension Transfer Gold
FLSP Endorsed
MMA Top 100
Chartered Financial Planners