Strategy Development and Implementation

During the first two steps (Identification & Strategic Financial Plan) of our financial planning process we will work with you to identify the strategies that you need to concentrate on to achieve your financial goals.  Typically these strategies will fall within the following categories:

Estate planning focuses on ensuring that the maximum value of the estate is passed to one's heirs as intended. This strategy will include drawing up a will, setting up trusts and various techniques to minimise estate taxes.  Where necessary we will collaborate with other trusted professionals.

Asset Management is the use of strategies and techniques to optimise financial returns in consideration of the client's requirements and constraints. In this strategy we will determine how to invest current assets and future savings based on financial goals, attitude towards risk, current financial position and tax status.

Tax planning is the use of strategies and techniques to maximise present value of after-tax family net worth. Proper tax planning ensures that income taxes are minimised over the near and long term.  Where necessary we will refer you to a tax accountant.

Retirement planning is the process of establishing strategies and techniques for accumulation of wealth and for withdrawal during retirement years.  There are many opportunities for effective strategies to reflect changing pensions rules.

Risk Management is the use of insurance strategies and techniques to manage exposure to financial risk.  This typically includes protection planning and life assurance strategies.

Generally we want you to have a sense of well being that comes with knowing that your finances are in good order.  We therefore offer a set of softer services that will help you feel organised – this could be our paperwork sorting and document management service.

Cash Flow Management refers to the strategies and techniques used to optimise short and mid-term cash flow, assets and liabilities.  This strategy could include the impact upon lifestyle goals of paying down debt.

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Piercefield consultants are Certified Financial Planners®

Piercefield Asset Management Ltd is authorised and regulated by the Financial Services Authority