Wealth Management
Wealth Management For Financial Freedom
Together with Howard Morgan you can plan for a happier, more secure future.
I created Stage Financial to provide personalised financial advice to individuals, families and companies in Richmond, Twickenham, St Margaret’s, Isleworth, Teddington, and Kingston.
Qualified to a platinum standard, my team and I are in a position to offer you tailored financial advice that draws upon a wide range of financial solutions. That way your wealth management plan sits well with your financial goals and circumstances.
What is Wealth Management
Sounds obvious, but it’s managing your wealth. Protecting it from unnecessary tax, inflation, and risky investments. We always start with a personalised questionnaire, which we then use to guide us and advise you on the best way to manage your wealth. We offer a wide range of financial advisory services, all of which can be tailored to your personal requirements.
Financial Planning
This is where we help you reach your financial goals and ambitions. Every person has different financial objectives, depending on your stage of life and personal circumstances, this is why we only provide tailored solutions, which in turn assist you in making informed decisions. This stage of your wealth management journey forms the foundation for your financial future.
Investments
Putting your money to work, rather than leaving it to laze around. First point to discuss, is whether you want to save or invest? If it’s the latter then the number and variety of investment opportunities are infinite, but the aim is common: to make your financial pot grow.
How we advise you on this, will be based on your personal profile. One of the key factors here is risk, where do you sit on the scale? Once we know your risk appetite, then we can start advising.
At Retirement Equity Release
If you are over 55 and have got equity tied up in your property, then you can release this money and the good news is that it’s tax-free. Not all Equity Release advisers are qualified to give mortgage-regulated advice, the good news is that Stage Financial can. When it comes to equity release, we take the time to understand your personal circumstances, as with this aspect of wealth management, it is anything but a ‘one-size-fits-all’ option.
At Retirement Long-Term Care
As we get older, it’s wise to think about the ‘what-ifs”, such as what happens if I fall ill, if I have an accident, or if I just can’t cope living on my own.
Our job is to ensure that you have enough money to help ease this process, through financial security or that any means-tested benefits are protected.
Inheritance Tax Planning
When you die, it is probably safe to say that you’d prefer your money to go to your family and loved ones. There are ways of making this happen, but it requires planning and forethought. Clients often undervalue their estate as they just focus on the value of their home, with my overarching holistic approach, we can see your financial position in its entirety and so give clear advice and solutions.
Wills & Lasting Power of Attorney
Nobody wants to think about it, but getting your financial affairs in order before you die is one of the kindest and financially practical decisions you will ever make. If you ignore it, money could be wasted and complications might arise unnecessarily.
We can help you prepare your Will so that your wishes are formally documented and the distribution of your wealth is tax-efficiently managed for inheritance tax.
As the famous Roy Jenkin’s quote says “Inheritance Tax is, broadly speaking, a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue.”
Sadly there could also come a time in your life when you are not able to make decisions about your financial affairs or your health and you need someone to do this for you.
A Lasting Power of Attorney is a formal document that allows you now, to appoint somebody of your choosing to do this for you if the eventuality should ever arise.
Who you choose is up to you, it could be a friend or family member, we can help you to set up the legal documentation to facilitate these arrangements, should they be required.
If you own a property or other assets, it is important that we each have a Will and Lasting Power of Attorney in place, and that we review these arrangements regularly, ideally once a year.
Disclaimer
- The value of pensions and investments and the income they produce can fall as well as rise. Therefore, you may get back less than you invested.
- Tax treatment varies according to individual circumstances and is subject to change.
- The Financial Conduct Authority does not regulate advice on estate planning and some forms of taxation.
Where we operate
Our passion is to work with local individuals, families and businesses who are looking for a secure and happy future. We feel working in a set geographical location gives us the ability to connect with the people and companies we advise and so offer them the appropriate financial solutions.
We live in the area that we operate in, that being a 10-mile radius of Richmond. This includes Twickenham, St Margaret’s, Isleworth, Teddington, Kingston, Weybridge and Wimbledon.
