Structured, Robust and Repeatable Financial Planning.
At Dukes Wealth Management we use a structured, robust and repeatable Financial Planning process. We help provide direction and meaning to your financial decisions, arming you with the information you need to understand exactly where you are today, and how to organise your affairs to achieve your financial and lifestyle goals.
When considering the best way to conceptualise the differences between each of our services, we can look at these two photographs; both of lavender, yet distinctly different.
If you view each photo in isolation, you get a very different perspective.
Our core service, takes a holistic approach to your financial circumstances, addressing your future goals and ambitions and the resources you will need in order to achieve them.
This provides a complete picture of your financial position.
From this perspective we can see the ‘whole picture’. By seeing it all you can appreciate just how expansive the field is, and a number of features you simply can’t see when you’re standing too close.
Planning is much the same.
We enable you to see the entire picture of your life and finances, the good and the bad, and the changing risks along the way. By stepping back and looking at your situation objectively, you can appreciate the detail you wouldn’t see if you only considered a single area of your affairs.
Is a separate service we can provide to clients who do not elect to use our main Financial Planning service.
Our Focused Advice service focuses on a particular issue or addresses a specific area of concern.
The photograph is taken of just one lavender flower. It does not show the entire picture; the true size of the field, the detail of the surrounding landscape.
Just like with this photograph our Focused Advice service will only look at one area of your affairs in isolation. We are not able to see the complete picture, in context, and therefore, cannot show you how the other areas of your affairs might impact on the decisions you are making.
Planning for tomorrow, today
It is never too early to start planning the dream. It’s your future – don’t put it off!
Imagine a time when can visit the places you dreamed of and do all the things you never had time to do. The big question is how much do you need to live a comfortable retirement? How you save that amount is the overriding factor to a financially secure future and taking the first step is easier with our support.
People are now living longer into retirement and are understandably concerned about how their income will support the lifestyle they want.
Planning for retirement has never been so important.
How can you make sure you make the right decision? As experienced retirement planning advisers, our guidance is designed help you with your retirement aspirations, calculating how much you realistically need to save; select products that are flexible enough to adapt to your changing circumstances between now and retirement and find the perfect blend for your needs today, and your plans tomorrow.
Different strategies apply at different stages in your life.
Many pension plans are set up and then left alone, in the hope that they will perform. Unfortunately, this is not always the case.
- Does your existing adviser review your pension funds?
- Do you know the level of charges on your existing pensions?
- Do the funds within your pension reflect your current attitude to investment risk?
- Have you reviewed your pension in the last three years?
If you have answered no to any of these questions, Say Hello!
Investment today is a source of income tomorrow
Only you know the life you want to lead. People value different things, and these may change throughout your life, so your investment choices need to be as individual as you are.
Even the most financially astute people need some professional guidance. By getting to really know you, we can help you:
- understand your options and support you on your investment journey
- select a diverse range of products that fit with your risk profile
- match products that respect your ethical and environmental beliefs
- take advantage of tax-efficient investments
Effective investing requires a hands-on approach and a close, trusting relationship with your adviser. To discover an investment solution that fits perfectly with your needs, aspirations, and lifestyle, Say Hello!
Making your money work harder
Just like you need petrol to run a car, money provides you with the means to live your life. Big purchases, holidays, a wedding, emergency reserves to dip into … tucking some spare cash aside regularly makes good money sense.
Talking to an independent financial adviser will help you:
- Decide which saving features and products are relevant to you
- Identify what you are saving for and how much you’ll need to set aside to reach that goal
- Compare the cost of any debts you have against the interest you are likely earn in savings
- Source the most tax efficient savings contracts
To discover new ways in which you can make your money work more effectively Say Hello!
Smoothing life’s path
Life is surprising. Unfortunately, some revelations are more welcome than others. During emotional and tough times, financial worries can simply escalate the challenges facing you and your family. With a bit of forward planning, and the right protection products on your side, some peace of mind can be restored leaving you to focus on what’s really important.
You often hear people say, ‘I’ll sort it out later’ or ‘it could never happen to me’, but the crucial decisions on protection have to be part of any life plan. Dukes Wealth Management is able to offer guidance on protecting individuals, families and businesses.
Putting a value on what you’re worth is hard. The important thing is to never underestimate the personal and financial contribution you make. The key is to consider your current circumstances and the level of income required by your dependents or business to ensure they remain fully self-sufficient.
Anyone with family and financial obligations should not think ‘do I need it?’ but rather ‘what kind and how much?’
As different insurance policies suit different needs, it’s usually best to seek professional advice. Dukes Wealth Management can help you decide on:
- Which steps to take to protect you and your dependants
- The most suitable products for your individual needs and circumstances
- What needs to be prioritised
To keep your life on track, whatever the circumstances, Say Hello!
Helping you make it home
Choice is good! When buying a property, whether for yourself or as an investment, choice ensures you get the best deal.
Our mortgage advisers will make the process of borrowing money seem far less complicated. With our support, we can compare and discuss different mortgage combinations, generating a shortlist from literally hundreds of mortgage products and lenders on the market.
If you are:
- Moving home or starting out on the property market
- Staying put, but looking around for a better deal
- Considering refinancing to extend or make improvements
- Thinking about venturing into the buy-to-let market
Whatever your mortgaging needs, Say Hello!
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Making your home work for you
In the modern equity release market, there are a range of products to choose from. We look to offer clear and concise advice, removing the complexity and confusion that often surrounds these products and we will review whether alternatives may be more suitable.
By using an equity release product, you can draw tax-free sums of capital from the value of your home, either as a lump sum or as regular smaller instalments, while remaining in your home.
There are a number of reasons you might be considering equity release and the good news is that you can spend the money on whatever you like. Some of the common reasons people consider equity release include:
- To have or supplement a retirement income
- To pay off debts
- To pay for Long Term Care
- To help a family member get onto the property ladder
- Or simply to have a better standard of living
To find out more about Equity Release, Say Hello!
A lifetime mortgage is secured against your home. To understand the features and risks, ask for a personalised illustration. Equity Release will reduce the value of your estate and may affect your entitlement to means tested benefits.
Equity Release involves a Lifetime Mortgage or Home Reversion Plan. We do not provide advice on Home Reversion Plans.
Looking after you, your family, and the generations to follow.
There are a number of ways in which your home, savings and business are vulnerable to attack. We are here to safeguard these hard-earned assets for you, your family and your business, using simple but effective strategies.
Irrespective of your age or the value of your estate, putting your affairs in order is one of the most important tasks that you are likely to undertake.
Remember, it’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.
The Financial Conduct Authority does not regulate taxation and trust advice.
Once we have established your attitude to risk and capacity for loss, we can then build a bespoke investment portfolio which suits your needs.
Through asset allocation we can create a diversified portfolio of differing types of investments (cash, property, fixed interest and UK & International equities) allocating different amounts to each fund.
We have a robust investment process and constantly review and evaluate the funds within your portfolio.
However, over time, the various funds will rise or fall in value. If left for a long period of time, there could be a divergence from your original risk profile. For example, if equity funds outperform cash, your portfolio, if left unaltered, would take on more risk. Should the portfolio move away from the optimal asset allocation, we will arrange for the portfolio to be rebalanced.
Ongoing reviews are essential to the smooth running of portfolios and any initial advice should not be viewed as a one-off. Ongoing reviews can help to ensure your pensions and investments remain on track, continue to meet your financial objectives and attitude to risk in ever changing circumstances.
Our client portal allows you to access, track and monitor your investment online, enabling you to keep as close an eye as we do on the performance of your portfolio.
Whether you are seeking income or growth, have a lump sum or a regular premium to invest, want an active or passive management style, to get in touch and find out more, just Say Hello!
The value of an investment and the income from it could go down as well as up. The return from an investment, and the income derived from it, is not guaranteed and you may get back less than you originally invested.
We pride ourselves on the relationships we develop and firmly believe in offering the expertise you need and the service you deserve.
Whatever you have in mind, whether you require full Financial Planning or would like Focused Advice on a particular area, to arrange a free initial meeting, Say hello.
An extremely trustworthy and professional advisor whose skills are evident in the success of my portfolio in a challenging financial time.
Adrian, provides impartial Financial Advice, as part of an ongoing service always pro-actively providing you with relevant information whilst constantly checking that your pension is invested in the most suitable funds for you.
You can be sure that his advice is totally impartial and that it is in your best interests.
Adrian offers solutions for your financial future.
He always does what he says he will, on time.
I would just like to say that you have given fantastic advise over the years and hopefully more to come.
You have definitely exceeded my expectations and have enabled me to not worry about my finances.
I would definitely recommend your services to anyone who hasn't got a clue or time to worry about stocks, bonds, ISAs etc.
Keep up the good work.
Adrian is very professional and has a very good knowledge of pensions and investments.
He is totally trustworthy and he takes a personal interest in my financial affairs, taking time to explain all the options available to me and giving me valuable advice.
I would recommend him as a financial advisor.
I have recently taken up the service you offer, whereby my investment is reviewed on a regular basis and already I have seen the benefit of the advice you have given concerning the switching of funds. I have been extremely pleased with the advice you have given , the manner in which you can make difficult concepts straightforward and the interest and care you give to my investment portfolio... I look forward to having the benefit of your advice for many years to come...
Your ability to find out exactly what I felt about risk-taking, investments and spending whilst explaining why certain things were good and others bad was reassuring and lead to a new understanding on my part which has given me confidence in my financial planning. I have already referred you to friends who I know are also keen to use your services ...
...your professional manner and your friendly approach have helped me understand far more about finance than I ever believed I would. I would recommend you to anyone looking to invest for their future; in fact I already have..."
I asked Adrian to help me sort out my pension plan that was with a well known insurance company, but who seemed incapable of giving me a definitive valuation of the plan.
Adrian managed to extract the maximum amount possible from the insurance company, and the funds are now invested with one of his managed pension plans, and I can check the value of the pension pot on-line, any time I choose.
Great result all round!