Financial Planning

Financial planning is the work of making your arrangements agree with each other. Savings, pensions, tax allowances and protection are usually bought separately, years apart, from different people, and they end up pulling in slightly different directions.

We start with the whole position rather than the product in front of you, which is a slower first conversation and a more useful one.

What the
conversation covers

What you earn and how securely. What you owe and on what terms. What you are protecting and against what. What you are working towards, and by when. Some of it will feel a long way from the question you originally asked, and it is worth the time.

The four areas we work across

• Investments: matching money to a timescale and a level of risk you can genuinely live with
• Retirement Planning: what you already hold, what it might provide, and the choices available when you stop working
• Tax-Efficient Planning: using allowances, ISAs and pension relief properly before anything more complicated
• Financial Guidance: the connecting conversation, held periodically as circumstances change

Where advice adds the most

At the point of change, when arrangements made for an earlier version of your life stop fitting. Where the pieces interact, since a longer mortgage term lowers the monthly cost and raises the lifetime cost. And where nobody has looked in years, which is where reviews most often find something worth fixing.

Being clear about our scope

We tell clients plainly what we can and cannot advise on. Lendwise Capital UK is building its offering as the firm develops, and the boundaries of our permissions are set out in full on our regulatory information page. Where your question falls outside them, we will say so and help you find the right specialist.