Wealth management

Wendy Cochran IFA offers wealth management advice to clients across the UK. This can be delivered face-to-face or via phone and email, depending on the needs of each individual client.

Our wealth management service includes management of your pension and investment portfolios, taking into account your particular circumstances and goals, as well as your appetite for investment risk and tax situation. More specifically, for our wealth management clients, we will:

  • Assess whether pension and investment portfolios are held with the most appropriate, and lowest cost, provider, and recommend moving them to a new provider if not
  • Design a bespoke portfolio of investment funds for each part of your overall wealth strategy
  • Analyse what your overall exposure to each asset-class (e.g. equities, bonds, property) is, across your whole portfolio
  • Consider how to minimise your liability to income and capital gains tax
  • Ensure that all steps are taken to avoid Lifetime Allowance and Annual Allowance tax charges on your pension
  • Provide advice on sheltering assets from inheritance tax where possible
  • If required, give guidance on how to pass your wealth to the next generation in the most tax efficient way possible.

How much does this cost?

There is no fee for an initial assessment of your wealth management situation.

Our ongoing charges for wealth management and investment advice range from 0.2% of assets to 0.5% of assets per year, depending on the size of portfolio involved. Please note that we advise on total portfolio sizes of £200,000 upwards.

Why consider Wendy Cochran IFA for wealth management?

Wendy has more than 20 years of experience in the financial sector, including many years spent working directly in UK and US stockmarkets as a fund manager. This direct experience of markets is very rare among independent financial advisers. It allows her to both offer unbiased financial advice, and also design sophisticated investment portfolios and discuss them with her clients. Wendy's company has around £45,000,000 of assets under management, and a strong investment performance track record.

Where will my money be held?

We never touch any of our clients' money. All the pension and investment portfolios that we advise on are held with major providers such as Aviva, Standard Life, Fidelity and AJ Bell. We provide ongoing advice on what investments should be held within the portfolios, and, with our clients' permission, we carry out the required fund trading.

What is the next step?

We would be delighted to discuss your wealth management needs. Just get in touch for a free initial assessment.

Chartered Financial Planners. Regulated by the Financial Conduct Authority (FCA no. 603653).