Private Clients

We understand that Private Clients who have often spent their working life planning to accumulate wealth are suddenly faced with very different challenges as they approach or move through retirement.

This often involves managing the balance between capital preservation and income throughout the remainder of their lifetime and also providing a legacy for family. Common issues to most private clients include providing adequate income, tax mitigation, capital preservation, family issues, inheritance tax and health care.

We have developed a specific service proposition for our private clients to ensure that you are clear on the advice and service we can provide to you and agree how this will be delivered.

Our wide ranging advice is designed to assist you through different life stages.

As clients approach retirement the most commonly asked  question is “do I now have sufficient capital and income for the remainder of my lifetime?”. By starting to give you advice prior to your retirement we can answer this question and ensure the transition into retirement is painless.

At retirement you are probably faced with more financial decisions than at any other single point in your lifetime. Most of us will have accrued pension benefits and be faced with numerous retirement income options. Some choices may be irrevocable, others will need to be regularly reviewed but we can ensure appropriate advice is given taking account of your individual circumstances.

You may have built up a range of investments over the years with the primary aim of capital growth and upon retirement want to begin to generate income from these. To achieve this some restructuring might be required to balance your income and capital preservation requirements and take account of your revised income tax position.

Our experience tells us that through retirement you will often  be trying to balance different competing issues ; enjoying retirement to the full, ensuring that remaining wealth on your death can pass to your family mitigating inheritance tax where possible and also increasingly, considering the financial impact of  possible long term care.

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Armstrong Watson Accountants and Financial Advisers is a trading style

Armstrong Watson is a partnership under English law. A list of partners is available at the principle place of business, 15 Victoria Place, Carlisle, CA1 1EW. Armstrong Watson is regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities

Armstrong Watson Audit Limited is registered to carry on audit work in the UK and Ireland by the Institute of Chartered Accountants in England and Wales. Registered as a limited company in England and Wales No. 8800970. Registered office: 15 Victoria Place, Carlisle, CA1 1EW

Armstrong Watson Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 542122. Registered as a limited company in England and Wales No. 7208672. Armstrong Watson Financial Planning & Wealth Management is a trading name of Armstrong Watson Financial Planning Limited. Registered Office: 15 Victoria Place, Carlisle, CA1 1EW