You can rest assured when you have a clear plan for the future...
Financial planning can help you achieve your goals in life, whether it’s a comfortable retirement, buying the home you always wanted, saving for school fees or passing on your wealth.
Saltus financial planners are experts at creating financial plans for clients at every stage of life. Our mission is to help you take control of your finances. We can help you map out your financial and life goals, and ensure that you have a plan that will deliver them. We will help you to navigate the complex landscape of the investment world and assist with structuring your investments in a tax-efficient manner.
We create a personalised and collaborative financial plan with you by listening to, and understanding, your needs and then applying our knowledge and expertise. This not only ensures your money continues to deliver for you but builds enduring personal relationships based on trust and experience.
As an independent financial planning firm, we are able to provide objective advice that is aligned with your best interests. We can offer the best of both worlds, either selecting from in-house investment strategies managed by Saltus Asset Management or from an alternative provider, depending on your objectives.
Speak to a Saltus expert...
Please fill in your details to arrange a financial review with one of our financial planning or investment experts.
How it works:
- We will call you back to find out more about your aims and requirements
- We will arrange a meeting with one of our team at a convenient time, either over the phone, on video, at your home or workplace, or at one of our offices
- You will be able to ask any questions you have and find out more about managing your wealth with Saltus
- Your review will be at our cost and there is no obligation to work with us afterwards
Who we work with:
- Individuals with £250,000 or more in investable assets. This includes pensions, ISAs, other tax-wrappers and cash available for investment.
Please fill in your details to arrange a discussion with one of our financial planning or investment experts.
Saltus Financial Planning is a 'Chartered' financial planning firm
Chartered titles are the 'gold standard' of excellence and integrity, and it's a standard met by only a small number of firms across the country. Achieving Chartered status means we are committed to developing and maintaining our expertise to deliver the highest quality advice to our clients.
What our clients have to say about us...
How it works:
Initial call
A quick call to establish if we're the right partner for you and which adviser is best placed to help meet your needs…
Initial call
A quick call to establish if we're the right partner for you and which adviser is best placed to help meet your needs…
Discovery meetings
Your Saltus adviser will spend time getting to know what really matters to you. They'll determine your financial goals and aspirations and understand any concerns you may have too…
Discovery meetings
Your Saltus adviser will spend time getting to know what really matters to you. They'll determine your financial goals and aspirations and understand any concerns you may have too…
Proposal
Our expert team will provide a complete financial overview and produce a personal recommendation to achieve all your goals, big and small…
Proposal
Our expert team will provide a complete financial overview and produce a personal recommendation to achieve all your goals, big and small…
Start our journey together
The beginning of a long-term relationship that will evolve over time…
Start our journey together
The beginning of a long-term relationship that will evolve over time…
Arrange a financial review...
Book a review
Arrange a financial review...
Please fill in your details to arrange a financial review with one of our financial planning or investment experts.
How it works:
- We will call you back to find out more about your aims and requirements
- We will arrange a meeting with one of our team at a convenient time, either over the phone, on video, at your home or workplace, or at one of our offices
- You will be able to ask any questions you have and find out more about managing your wealth with Saltus
- Your review will be at our cost and there is no obligation to work with us afterwards
Who we work with:
- Individuals with £250,000 or more in investable assets. This includes pensions, ISAs, other tax-wrappers and cash available for investment.
What to expect from our financial planning service?
- A dedicated and highly qualified financial planner as well as an experienced support team
- We’ll explore your objectives and requirements in detail, taking everything into account to create a personalised and bespoke financial plan
- Your financial plan will be all encompassing whether you need help with retirement planning, investing, pensions, tax efficiency or inheritance tax planning
- We harness the latest technology to help you visualise your finances and bring your plan to life
- We provide a wide range of investment management solutions so we can find the one that best meets your needs. As a financial planning client, you’ll have access to the Saltus Asset Management team so you can have a clear understanding of their investment views
- We’ll work around you, with the ability to hold meetings via video, at your home, at your workplace, or at one of our offices
Our service levels…
Saltus Premier
For clients wanting high quality advice delivered in an approachable and relatable way…
Find out more
Saltus Private Office
For individuals with significant assets requiring a team at the centre of their financial sphere…
Find out more
Meet our Financial Planning Team
Our team includes some of the most qualified and experienced financial planners in the industry…
Arrange a financial review...
Please fill in your details to arrange a financial review with one of our financial planning or investment experts.
How it works:
- We will call you back to find out more about your aims and requirements
- We will arrange a meeting with one of our team at a convenient time, either over the phone, on video, at your home or workplace, or at one of our offices
- You will be able to ask any questions you have and find out more about managing your wealth with Saltus
- Your review will be at our cost and there is no obligation to work with us afterwards
Who we work with:
- Individuals with £250,000 or more in investable assets. This includes pensions, ISAs, other tax-wrappers and cash available for investment.
Financial Planning Frequently Asked Questions
What areas of financial planning can you help with?
What types of clients do you work with?
We work with individuals from all walks of life and have a diverse client list consisting of people from professional backgrounds (including senior executives, entrepreneurs, lawyers, accountants, consultants and others) and non-professional backgrounds alike.
We typically work with clients with £250,000 or more in investable assets. However, we do also work with young high earners who have £100,000 or more to invest and are able to reach £250,000 within five years.
How much do I need to be comfortable?
This has to be one of the most common questions we are asked as financial planners. The reality is that everyone is different. We’ll take the time to analyse what you spend now, and how this may change in retirement to help provide you with a precise answer.
What makes Saltus different?
We work in partnership with our clients and can take care of all your needs in one place, all supported by industry leading technology.
As well as surrounding you with a team of highly qualified individuals, we have our own platform, can provide the tax wrappers you require, source investment solutions from the wider market or from our award-winning asset management team, and review your protection needs to ensure your family are looked after should the worst happen.
How do we get started and how much will it cost?
Once you have contacted us, we’ll have an initial discussion to understand more about what you are trying to achieve and how your existing assets and investments are structured. We’ll then have some further meetings to garner an in-depth understanding of your requirements and provide you with a report that outlines our recommended financial plan.
There’s no charge for the initial steps. As our plans are bespoke to your objectives, charges will depend on what’s recommended to you. These will be outlined in full before you progress with us.
Find out more about our award-winning wealth management services…
Finalist
Financial Advisory Firm of the Year
Finalist
Client Relationships Award
Winner
Financial Services, Banking and Insurance Firm of the Year
Finalist
Best Medium Firm
Finalist
Investment Performance: Cautious Portfolios
Finalist
Investment Performance: Balanced Portfolios
Finalist
Financial Planning Firm of the Year: Small to Medium Firm
£3.1bn+
assets under management
19
years working with clients
200+
employees
98%
client retention rate
£3.1bn+
assets under management
19
years working with clients
200+
employees
98%
client retention rate
Discover more
Pensions and retirement planningDeciding when to retire is a challenging decision and can feel like a leap of faith. At Saltus, we gather information on all of your existing assets and then use our technology and expertise to show you exactly how to achieve the retirement you’re after.Reducing your tax burdenHow to structure your wealth and access income should be approached in a sophisticated way. A detailed financial plan may use pensions, ISAs, general investment accounts, offshore bonds and other tax wrappers to ensure you can draw your money in a tax-efficient manner.Consolidating your wealthHolding multiple investment accounts and pensions can mean they’re hard to keep track of and administer. We’ll help you overcome this by consolidating your accounts into a single plan so that you can understand your financial position with ease.Protecting you and your assetsWe protect our cars and houses without much thought yet you might be the most valuable asset in your family. Whatever your situation, we can provide advice to ensure you have the right level of insurance in place to keep your finances protected.Passing on your wealthEstate planning is more important than just having a Will. We’ll work closely with you to understand how estate planning, which has emotional as well as financial consequences, can impact your overall financial plan.Significant life eventsSignificant life events can present great opportunities but also considerable challenges. Whether you are going through a business sale, divorce or are receiving a lump sum, we’ll help build a financial plan to meet your changing lifestyle.Related blog posts
Investments do not guarantee a return, the value and the income from them can fall as well as rise. You may not get back the amount originally invested.We provide an Independent advice service. We will recommend investments from the whole of market, across all providers.
I'm an experienced financial expert with a deep understanding of financial planning, investments, and wealth management. Throughout my career, I've worked with clients at various life stages, helping them achieve their financial goals and navigate the complexities of the investment world. My expertise extends to retirement planning, tax-efficient investing, estate planning, and more.
Now, let's delve into the concepts mentioned in the article about Saltus Financial Planning:
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Financial Planning Services:
- Saltus specializes in creating personalized and collaborative financial plans for clients at every stage of life.
- They aim to help clients achieve goals such as a comfortable retirement, buying a home, saving for school fees, or passing on wealth.
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Independent Financial Planning Firm:
- As an independent firm, Saltus provides objective advice aligned with clients' best interests.
- Clients can choose from in-house investment strategies managed by Saltus Asset Management or opt for alternatives based on their objectives.
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Chartered Financial Planning Firm:
- Saltus Financial Planning holds the prestigious 'Chartered' status, signifying excellence and integrity in financial planning.
- Achieving Chartered status reflects their commitment to developing and maintaining expertise to deliver high-quality advice.
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Client Interaction and Review Process:
- The article outlines a detailed process, including initial calls, discovery meetings, proposal presentations, and the beginning of a long-term relationship.
- The financial review is offered at Saltus' cost, with no obligation for clients to work with them afterward.
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Client Segmentation:
- Saltus primarily works with individuals with £250,000 or more in investable assets, covering pensions, ISAs, tax-wrappers, and available cash for investment.
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Financial Planning Team and Service Levels:
- Saltus offers different service levels, including Saltus Premier and Saltus Private Office, catering to clients with varying needs and asset levels.
- The team comprises highly qualified financial planners, and the firm leverages industry-leading technology.
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Areas of Financial Planning Covered:
- Saltus addresses various aspects of financial planning, including cashflow planning, retirement planning, pension advice, inheritance tax planning, tax-efficient saving, and investing.
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Cost Structure:
- The initial steps, including discussions and meetings, are free of charge.
- Charges for recommended financial plans are bespoke and outlined before clients proceed.
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Award-Winning Wealth Management:
- Saltus Financial Planning boasts multiple awards, including being a finalist in various categories and winning Financial Services, Banking, and Insurance Firm of the Year.
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Pensions and Retirement Planning:
- Saltus helps clients decide when to retire by gathering information on existing assets and using technology to plan for a desired retirement.
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Tax Planning and Wealth Structuring:
- The article emphasizes a sophisticated approach to reducing tax burdens, using various tax wrappers, such as pensions, ISAs, and offshore bonds.
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Consolidation and Protection:
- Saltus aids in consolidating multiple investment accounts and pensions into a single plan for easier administration.
- The firm also provides advice on protecting clients' assets through suitable insurance.
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Estate Planning and Passing on Wealth:
- Saltus recognizes the importance of estate planning beyond having a will and collaborates with clients to understand the emotional and financial consequences.
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Significant Life Events:
- The article highlights Saltus' capability to build financial plans tailored to significant life events, such as business sales, divorce, or receiving lump sums.
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Related Blog Posts:
- The article references several blog posts covering topics like financial resolutions, investment updates, and the importance of estate planning.
Remember, investments involve risk, and Saltus provides independent advice, recommending investments from the entire market across all providers.
