Our Services | Amicus Wealth

Our Services

Advisors at Amicus Wealth offer a broad spectrum of financial planning expertise. This means we can support you towards your personal and financial goals at every stage of your life ‒ whether you’re saving a deposit towards your first home, growing a profitable business or thinking about a well-earned retirement. This is why we start every relationship by getting to know you, so we can find the financial solutions that are the best fit for your personal needs.

How Amicus Work
  • Retirement Planning

  • Group Pension Schemes

  • Investments for Income/Capital Growth

  • Inheritance Tax Planning

  • Tax Efficiency

  • Asset Protection

  • Protection of Business Assets

  • Offshore Planning

Retirement Planning

One of the biggest areas of concern our clients talk to us about is planning for the day they will eventually retire. Pensions can be a great cause of uncertainty, with large sums of money held in multiple pots through changes of employment over people’s lifetime. Our aim is to help relieve this uncertainty to ensure that, once your working life is over and you start a new chapter, you will be financially comfortable and able to do all the things you hope to do.

We make this possible by creating accurate projections of your income upon retirement, understanding what level of risk you’re comfortable with when planning financial solutions, recommending funds and giving ongoing investment performance reviews. We also review any old pensions you have in place, accumulated through multiple employers.

Because we are there with you for the long-term, you can feel confident that you have one trusted adviser who knows your whole situation and your financial and life objectives.

Warning:

The value of pension and the income they produce can fall as well as rise.

You may get back less than you invested.

Group Pension Schemes

We provide pension planning advice for both individuals and for companies. We can help your business set up or review any group pension schemes, as well as conducting individual pension reviews with any employees that need or want it.

Warning:

The value of pension and the income they produce can fall as well as rise.

You may get back less than you invested.

Investments for Income/Capital Growth

Whether your most pressing financial need is saving for your children’s school fees, reducing mortgage debt or other medium to long-term objectives; we can support you by planning the best investments to generate income or capital growth.

We can explain the opportunity cost of keeping money in cash above-and-beyond levels needed for short-term financial goals; use allowances and concessions from the government in the most tax-efficient way and advise you on how best to structure investments – whether that’s in order to provide you with an income, or to achieve capital growth. Through knowing you, your goals and also your risk appetite, we can recommend the type of products that will be best for your personal situation.

Warning:

The value of investments and the income they produce can fall as well as rise.

You may get back less than you invested.

Inheritance Tax Planning

There is huge peace of mind in knowing that, one day when you’re not here any more, your family and loved ones will be able to get the biggest benefit possible from your inheritance wishes. Our aim in offering inheritance tax planning is making sure you – and your family - are fully aware of what happens to your investments in event of your death, and to make sure your protection is structured in the most tax efficient way.

We know from our clients that there’s a great deal of uncertainty around inheritance – what the laws are, who gets what at what tax rate, what measures can be taken to be more efficient. We can talk you through the regulations, find out if any existing plans – like your will - are structured in the right way and discuss how investments and pensions work from an inheritance point of view. This leaves you free to get on with enjoying your life - we’ll do the worrying about what comes next.

Warning:

The Financial Conduct Authority does not regulate on Estate Planning.

Tax Efficiency

We know how much our clients care about tax efficiency – naturally, you want to get the most out of your money. That’s why it underpins all of our investment advice, and recommendations around how to structure your finances.

Every financial product has different tax treatments. It’s important that, firstly, we understand it and then, even more crucially, that we can clearly relate it to you so you’re absolutely certain about what you have in place.

Warning:

Tax treatment varies according to individual circumstances and is subject to change.

Asset Protection

Our clients’ goals are usually to build assets over a certain period of time for particular objectives – whether that’s medium-term savings for school fees, or long-term pension planning. And, naturally, the aim is to do this in the most tax efficient way possible.

When it comes to asset protection advice, our aim is to help you reach your financial goals at the same time as creating protection in case something unexpected happens, whether that’s illness or death. This protection is an important way to ensure your family will be looked after in this situation.

We can help review your existing policies through your place of employment, or private policies, to ensure they suit you and any change in circumstances.

Warning:

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

The Financial Conduct Authority does not regulate on Estate Planning.

The Financial Conduct Authority does not regulate on school fee planning.

Protection of Business Assets

People protect their homes, future and children but often forget to protect their biggest asset – their business. Protecting business assets is essential to provide security in event of illness, ensure business partners or your family won’t be liable and to help recruit and retain staff.

If a business is properly protected, even if you fall ill it should still be able to provide an income for life. It’s also important – if you are a business owner – that you look at the key people in your business and consider the complications or costs if you lose them, as well as reviewing the ownership structure to protect spouses and directors in the event of a death.

Having group retirement planning and workplace benefits in place is also a crucial part of attracting and retaining top-caliber staff. Employees place a huge value on these additional benefits when considering a change of job.

Offshore Planning

For some individuals, it can relevant to look beyond basic financial planning solutions to additional areas, such as offshore planning. We have access to some of the best products in the market, and can advise you if we think this is a relevant option to make the most of your finances.

Warning:

The value of pension and investments can fall as well as rise.

You may get back less than you invested.