"Life is like a half-finished jigsaw puzzle: much of it is still unclear, much of it does not seem to fit together properly, and with so little time to complete the big picture." SDB Strategic Planners Limited specialises in providing highly bespoke proactive strategic and investment planning.

Our objective is to identify what your investments need to do for you, by clearly identifying the levels of income and capital growth you require and the amount of risk you need to take to help you achieve financial independence.

Wealth Management Advice
Throughout our lifetime, all of us need to create wealth for now and the future and to protect the value of that wealth, not only against potential loss but also the pernicious effects of inflation. We all need a clear and concise plan to enable us to create sufficient capital and income and to ensure taxes, world events and unexpected problems will not erode the purchasing power of our wealth.

Financial Independence
Financial independence, in most cases, is not about money at all – it is about lifestyle. The wealth we create and the wealth we preserve will determine how successful, or otherwise, our lifestyle aspirations become.

Our clients come from a broad band of individuals: from business owners with pension schemes to those planning for retirement and those who are retired who rely on their life savings to maintain their lifestyle throughout their lifetimes.

Lifestyle
Lifestyle is all about getting out of life what you want when you want it. This may mean reorganising your business to provide more time away from it or preparing it for disposal so you may pursue a more relaxed and, perhaps, more leisure-based lifestyle. In any event, lifestyle is a very personal thing and will often motivate us to take specific actions that will dictate how our finances need to support us throughout our lifetime.

Financial Planning is a detailed and extremely sophisticated discipline that, when applied to your circumstances, can totally change your understanding of your potential and the actions you MUST take to achieve the lifestyle you seek.

Investment Strategy
Our investment strategy is a two-step process. Initially, it involves careful analysis, including and encircling a lifetime cash flow analysis. This analysis enables you and us to have a clear understanding of how your assets, income and expenditure are structured. It also allows us to start to understand the level of risks that need to be taken for you to either achieve the lifestyle you wish, or maintain the lifestyle you have.

This analysis is critical as it sets the scene for the next stage, which is the investment implementation.

Investment Implementation
Once the analysis is completed, we are in a position to understand those types of investments which should work and those which are inappropriate. For example, most people feel they should use their ISA allowance, however, in some cases, the use of the ISA allowance is irrelevant. Therefore, we do not follow tradition. Indeed, many of our strategies are contrarian to the normal way of thinking. We do not, for example, believe you should jump in and out of markets, as we do not feel that timing is something within most people’s control. However, we do believe portfolios should be reviewed regularly, laggards cleared out and risk assessments taken to ensure ongoing cohesion with your aspirations and your attitude to risk.

Selecting the right type of investments and taking advantage of investment opportunities as they arise are important to any investment strategy. Armed with the projected lifetime cash flow analysis and a very clear understanding of objectives and attitude to risk, the portfolio will be fine-tuned on an annual or half-yearly basis, depending on requirements.

What does a Portfolio look like? A portfolio is as individual as your fingerprint, it is tailor made to suit your needs and requirements. A mixture of cash, sovereign stock and equity-based investments is carefully matched to your capital, income and tax position. There are many different types of assets that could also be included in a portfolio, such as gold, property and non-stockmarket correlated investments.

Fees
SDB Strategic Planners Limited offers flexible fee and/or commission arrangements, depending on your particular requirements. We believe this approach provides the basis for long-term client relationships. After a FREE exploratory consultation, a fee/commission arrangement will be agreed with you.