We believe in a joined up approach
to money management
We offer a personalised, private-banking style service with portfolio advice, investment analysis and financial planning expertise that’s expertly tailored to your specific needs.
Investing
Creating and then managing the most suitable investment portfolio is crucial for a healthy financial future. Of course you need to protect your capital. You may also want your investments to have the opportunity to grow. Or you may need a certain level of income. We’ll create a bespoke portfolio in line with these and your other financial goals and commitments.
That’s why our investment services are based around clear, tailor-made, up to the minute advice which gives you a joined up financial strategy and ultimately ensuring you only take the level of risk that’s right for you.
From cash to unit trusts, Individual Savings Accounts (ISAs) to Venture Capital Trusts, RiverPeak will thoroughly review your existing investments, objectives and attitude to risk before recommending a coordinated asset allocation, incorporating the appropriate tax efficient wrappers.
RiverPeak are experts in well-managed, investment portfolios which are structured tax efficiently. We’re here to make your money work harder, so you can lead the life you want to lead. It’s as simple as that.
Retirement Planning
We provide expert advice to help you through the shifting complexity of the pension maze.
From investment rules to taxes on funds and withdrawal flexibility, the many recent changes in pension regulations mean that reviewing your arrangements has never been more important. For example, a Self Invested Personal Pension (SIPP) can put you in charge of your own investment fund. An Annuity could give you a retirement income for life. Or an Income Drawdown plan can keep your pension invested but still provide you with a flexible income.
We can help.
Life Protection
In 2019, Britons received over £17 million a day* in life, critical illness and income protection insurance, which is reassuring for families perhaps but surveys suggest that **63% of the UK adult population has no life cover at all.
Perhaps you are already one of the 8.6 million* UK households who have protected their family and home with life insurance and now want to review your plans. Or maybe you’ve decided it’s time to take out insurance to cover you and your loved ones. Either way, potential illness, loss of income, tax issues and your overall investment strategy needs to be considered when we devise your effective protection plan.
*Association of British Insurers - State of the market 2019
**FTAdviser - June 2021
Estate & Inheritance Planning
It’s easy to put off estate and inheritance planning. But without the right strategy, your loved ones could be losing out. HMRC collected around £5.4 billion in inheritance tax during 2020/2021*.
We start your estate and inheritance planning by looking at the overall value of your estate including your investments. Our experts then seek to carefully understand your goals, your dependents and your wishes, including particular legacies, before devising a tailor-made, tax efficient, secure inheritance plan with you.
*H.M. Revenue & Customs
Some aspects of Inheritance tax planning are not regulated by the Financial Conduct Authority
Tax rates and reliefs are dependent on individual circumstances
Investment Consultancy
Many high net worth individuals, their families and charities are looking for experienced investment professionals to sit with them on the same side of the table when they appoint banks and investment managers to manage money for them.
RiverPeak offer many years of experience and the team have a thorough understanding of the way in which financial institutions both manage their clients’ money and charge for their services.
The ‘Private Investment Consultancy Service’ brings a structured, disciplined approach to the appointment of investment managers and the establishment and on-going monitoring of investment portfolios.
We will also monitor the performance of portfolios against agreed benchmarks.
We also negotiate fees with banks and investment managers on behalf of clients. The team at RiverPeak know that there is little market intelligence relating to industry ‘norm’ fees and costs that is easily available to clients and their experience means they are able to highlight areas where more competitive fees could be negotiated.