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Filtering out the noise

Services

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Private office services

Aspinalls is a specialist financial planning practice committed to delivering highly personalised services to individual private clients and their families. We offer a sense of perspective and strategic clarity which is delivered through our long-term, consultative approach. This allows us to be truly effective stewards of our clients’ financial resources.

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Clarity . Stewardship . Peace of mind

Aspinalls is a specialist financial planning practice committed to delivering highly personalised services to individual private clients and their families. We offer a sense of perspective and strategic clarity which is delivered through our long-term, consultative approach. This allows us to be truly effective stewards of our clients’ financial resources.

Clarity . Stewardship . Peace of mind

Our Approach

Providing our clients with clarity for their investments

Filtering out the noise

Our approach is refreshingly different. We provide our clients with clarity, hel...

Providing our clients with clarity for their investments

Filtering out the noise

Our approach is refreshingly different. We provide our clients with clarity, helping them to uncover their true ambitions and to then structure their affairs to ensure their wishes can be fulfilled. New clients will often have recently experienced a significant change of circumstances such as the sale of a business, bereavement or divorce, and will benefit from our help filtering out the resulting noise. Conflicting opinions and the pressure to act quickly can be unnerving. We diffuse such concerns and provide a fresh perspective; indeed, we will often advise clients to do nothing, to take stock and to thoughtfully reassess their options and the implications of their decisions. Regular meetings ensure we build a complete picture of clients’ affairs and truly understand their needs before we prepare their bespoke strategy. Our advice is all encompassing and can include financial planning, investment consultancy, wealth management, intergenerational wealth planning, philanthropy, tax planning and ownership structures – all with risk mitigation at the core. All clients are assigned a lead financial planner, supported by our team of specialists, to ensure their needs are efficiently fulfilled. Many of our clients have been with us for decades and across generations, illustrating the enduring relationships we develop, the integrity of advice and excellence of service we deliver.

Filtering out the noise

Long term financial planning strategies

A comprehensive financial planning strategy

Wealth is much more than money. It’s not just something we exchange for a prod...

Long term financial planning strategies

A comprehensive financial planning strategy

Wealth is much more than money. It’s not just something we exchange for a product or a service: wealth is a resource, a frame of mind, a power that can serve and strengthen or it can consume and de-stabilise lives. It can provide freedom of choice and deepen family bonds but, equally, can lead to conflict. Winston Churchill is famously quoted as saying, “he who fails to plan is planning to fail”. It is this simple truth that could mean success or failure for a wealthy individual or family. Yet, although it is a simple truth, it is not a simple thing to do. In every aspect of life, knowing how to plan and, more importantly, where to turn to for advice, are critical factors in achieving ambitions. A long-term strategic plan will help to preserve the emotional wellbeing of a family through the successful stewardship of wealth across current and future generations. Without unbiased strategic thinking, the psychological comfort that financial security brings can easily slip into complacency. It is this that can lead to the eventual dissipation of hard-earned resources. Armed with a thorough understanding of the needs and aspirations of our clients, we work with carefully selected professional partners to devise and implement a comprehensive financial planning strategy. We then monitor and review the plan taking into account any changes in needs or circumstances as they arise.

A comprehensive financial planning strategy

Our Vision

Our vision is to provide comprehensive financial planning and administration services with the level of personal attention only possible from a boutique firm. We share our clients’ values and high standards. In turn they appreciate the benefits of enduring professional relationships built on discretion, trust and transparency.

In our highly complex world, few individuals or families have the expertise necessary to pull together all the know-how required to successfully manage wealth. At Aspinalls we have developed our resources specifically to give our clients full access from a single source, to all the skills needed to harness and productively manage their financial affairs.

Over thirty years of close relationships with our clients and their families have taught us many valuable lessons. We realise that by putting their wider needs first, everything else follows easily – especially fruitful and productive wealth management.

Unlike many other financial institutions, we are an entirely independent, fee-charging professional services firm. We are able to focus on the one thing that truly matters in all planning around money – the needs and aspirations of our clients and their families.

Our Services

  • When first coming to us, clients will often still be working and understand they need to plan their financial affairs to ensure they are able to fulfil their future ambitions. We provide an integrated approach to managing a client’s affairs. We seamlessly coordinate financial planning with life goals with the contribution of other professional specialists whilst always giving our clients full access to those of our services that are most relevant to them.

    Our Private Client service is underpinned by regular monitoring and reviews allied to objective counsel. Our clients have the security and comfort of knowing that agreed long-term goals are in hand, with financial planning and risk mitigation at the core of all that we do.

    This service is built around what we consider to be the six cornerstones of successful planning:

    • Crafting a comprehensive plan
    • An appropriate legal framework to hold and transfer assets
    • Effective tax strategies
    • Institutional quality investment services and risk management
    • Clear and concise communication
    • Cost transparency

    Over the years it is possible to accumulate numerous funds, policies and other financial instruments acquired through a series of transactional relationships that, in hindsight, seldom link back to ones intended goals. It is easy to lose sight of the reason and purpose behind each holding which may have been acquired to address a particular issue at the time.

    Our Private Client service relieves our clients of much important but necessary financial administration. We act as expert adviser and discreet confidant, liaising with all parties concerned, as necessary to ensure effective delivery of the plan.

    Insightful reports and analysis help our clients to understand the decisions being made and their likely impact. All of our work is based on a pre-agreed fee structure, providing total cost transparency.

  • Private Office clients will typically engage the full range of services offered by Aspinalls. We don’t underestimate the challenges that significant family wealth can bring to families. The complexity of a family’s financial wealth, which will often range from financial investments to real estate and business interests, can test even the strongest relationships.

    The management of a business, issues of inheritance and even philanthropic giving can give rise to divergent opinions. Over time, if not managed prudently, wealth can also weaken direction and undermine purpose in children and grandchildren who haven’t had the opportunity to strive for goals or to experience the unqiue sense of achievement that comes from overcoming challenges without the safety net of wealth.

    The life cycle from building a business, enjoying the wealth that flows from it and the subsequent dissipation of that wealth, is often remarkably short – frequently over just three generations. That is why one of the most valued services we offer is wealth mentoring for younger generations.

    Our Private Office service provides a long-term perspective, enabling clients to take control. We create an environment that diminishes the potential for family conflict. By helping to identify the most important family objectives both now and in the future, we ensure our service is appropriately tailored to address those priorities.

    Families often have highly complex financial needs. We have a talented team of experts with the understanding, maturity and sensitivity gained over the decades which has earned us the trust of our clients.

    We work with many families over multiple generations, delivering continuity, stability and peace of mind.

Our Clients

  • Young Professional
  • Senior Executive
  • Entrepreneur
  • Divorcee
  • Retiree
  • Private Office
  • Young Professional

    Having previously worked in various roles in large corporations our client has recently secured a senior position in a large well-known company. She is young and recently married but her long-term life plan is inevitably hazy – who knows in their late twenties what they want to be doing in their late seventies? Her new job means she is now able to save some surplus income every month. A house purchase is on the cards, perhaps they will start a family, an inheritance might be on the horizon. The options are wide, and flexibility will be the keyword for her. But throughout, she will be turning to us for guidance, not just purely financial, but in many aspects of her life.

  • Senior Executive

    Our client was fortunate in that the international firm of which he is a senior partner has put in place a valuable retirement package which he’ll access in a few years’ time. Meanwhile he is building up significant wealth in investments and property that he is keen to protect for his children and grandchildren. His estate is facing a large Inheritance Tax bill and we have been building a plan that will make use of gifting strategies, life insurance, trusts and business property relief. He is able to keep control, either directly or as a trustee and is happy in the knowledge that his family will benefit both in his lifetime and after his death.

  • Entrepreneur

    Having built up a successful business our client wanted to expand his operations but needed to acquire larger premises to do so. On his own it would not have been possible, but by working closely with him and his fellow directors we structured a plan for them all to use their individual pensions to purchase new premises. The pensions benefitted from a valuable asset with a guaranteed income stream, the business was able to expand safe in the knowledge that the premises were secure, and the cost savings meant that the company was able to employ the best talent to drive the expansion.

  • Divorcee

    Division of assets in a divorce can be difficult, especially when pensions are involved, and it is often forgotten that both parties need to think about their own post-divorce futures. Our client held various pensions from different employments each of which had certain specific benefits, rules and restrictions. We identified that a simple split of all policies would have resulted in an unfair division and they both would have been disadvantaged. We worked with the client and his solicitor to devise a way in which the assets could be equitably split and were able to demonstrate to him how he could rebuild his pension funds to safeguard his retirement.

  • Retiree

    Unlike his predecessors the twenty-first century retiree does not suddenly stop work the Friday afternoon before his 65th birthday. The retirement path is now a gradual transfer from working life to golf course life, and the modern pension freedoms make this transition easier to achieve but at the same time very much harder to plan. With a portfolio of investments using different tax wrappers and pension funds, we structured a gradual retirement plan that meant our client suffered no loss in income but paid a lot less tax and gained the time to enjoy the golf course.

  • Private Office

    Significant wealth brings significant difficulties and complications. Our clients are a tight-knit family that together have benefitted from the father’s very successful business ventures. This means there are numerous investment structures, trusts, legal affairs and a charitable foundation that must be managed. We bring together the professionals from each sphere of expertise – legal, accounting, investment management and charity – and work with them and the family across the generations. We provide reassurance to the parents, guidance to the children and grandchildren and act as a central point of information for all.

Our Clients

  • Young Professional
  • Senior Executive
  • Entrepreneur
  • Divorcee
  • Retiree
  • Private Office
  • Young Professional

    Having previously worked in various roles in large corporations our client has recently secured a senior position in a large well-known company. She is young and recently married but her long-term life plan is inevitably hazy – who knows in their late twenties what they want to be doing in their late seventies? Her new job means she is now able to save some surplus income every month. A house purchase is on the cards, perhaps they will start a family, an inheritance might be on the horizon. The options are wide, and flexibility will be the keyword for her. But throughout, she will be turning to us for guidance, not just purely financial, but in many aspects of her life.

  • Senior Executive

    Our client was fortunate in that the international firm of which he is a senior partner has put in place a valuable retirement package which he’ll access in a few years’ time. Meanwhile he is building up significant wealth in investments and property that he is keen to protect for his children and grandchildren. His estate is facing a large Inheritance Tax bill and we have been building a plan that will make use of gifting strategies, life insurance, trusts and business property relief. He is able to keep control, either directly or as a trustee and is happy in the knowledge that his family will benefit both in his lifetime and after his death.

  • Entrepreneur

    Having built up a successful business our client wanted to expand his operations but needed to acquire larger premises to do so. On his own it would not have been possible, but by working closely with him and his fellow directors we structured a plan for them all to use their individual pensions to purchase new premises. The pensions benefitted from a valuable asset with a guaranteed income stream, the business was able to expand safe in the knowledge that the premises were secure, and the cost savings meant that the company was able to employ the best talent to drive the expansion.

  • Divorcee

    Division of assets in a divorce can be difficult, especially when pensions are involved, and it is often forgotten that both parties need to think about their own post-divorce futures. Our client held various pensions from different employments each of which had certain specific benefits, rules and restrictions. We identified that a simple split of all policies would have resulted in an unfair division and they both would have been disadvantaged. We worked with the client and his solicitor to devise a way in which the assets could be equitably split and were able to demonstrate to him how he could rebuild his pension funds to safeguard his retirement.

  • Retiree

    Unlike his predecessors the twenty-first century retiree does not suddenly stop work the Friday afternoon before his 65th birthday. The retirement path is now a gradual transfer from working life to golf course life, and the modern pension freedoms make this transition easier to achieve but at the same time very much harder to plan. With a portfolio of investments using different tax wrappers and pension funds, we structured a gradual retirement plan that meant our client suffered no loss in income but paid a lot less tax and gained the time to enjoy the golf course.

  • Private Office

    Significant wealth brings significant difficulties and complications. Our clients are a tight-knit family that together have benefitted from the father’s very successful business ventures. This means there are numerous investment structures, trusts, legal affairs and a charitable foundation that must be managed. We bring together the professionals from each sphere of expertise – legal, accounting, investment management and charity – and work with them and the family across the generations. We provide reassurance to the parents, guidance to the children and grandchildren and act as a central point of information for all.

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Contact Aspinalls

Our Contact Details

1 King William Street
London
EC4N 7AF

[email protected]

+44 (0)20 3909 1600
 Skype: aspinallsfo

Aspinalls Family Office LLP. Aspinalls is the trading name of Aspinalls Family Office LLP and Aspinalls Private Clients Ltd.
Aspinalls Family Office LLP is Authorised and Regulated by the Financial Conduct Authority. Both are part of the Aspinalls Group.