We provide an array of financial services, understanding your journey to financial success is unique. From pension planning and investment strategizing to estate planning, tax structuring, and everything in between, we offer personalized advice designed to help you thrive. Rather than focusing solely on specific services, we prioritise comprehensive financial planning tailored to your individual circumstances andaspirations.
Retirement means different things to different people, but what remains consistent is the need for a well-structured plan to ensure a comfortable retirement. P&B Wealth Planning helps you navigate your retirement planning, understanding that it's one piece of your broader retirement puzzle. We can ensure that your pension funds are invested in accordance to your risk appetite and needs during your accumulation phase and provide advice on how best to take you income in the most tax efficient manner in a decumulation phase. We tailor our advice, ensuring your pension aligns with your retirement dreams.
Building your investments into a profitable and secure portfolio requires expertise and careful attention. Our advisers will take into account your risk appetite and personal interests, potentially introducing you to responsible, ethical, and sustainable investing. We're dedicated to helping you build an investment portfolio that you're delighted with, now, and into the future.
We understand that a successful financial journey requires a solid plan that adapts to your life's transitions. We pair our extensive services and skills with your achievements and aspirations, creating a financial plan that seamlessly integrates into your life. This approach allows you to stay in control of your financial journey and live the life you envision.
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Safeguarding your wealth for your loved ones and the causes dear to your heart is an essential aspect of financial planning. We help you navigate the intricacies of estate planning, providing strategies to protect your wealth from excessive taxation. We aim to ensure as much of your wealth as possible is allocated according to your wishes.
We can advise you on tax-efficient investments including Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EIS) and Inheritance Tax Business Relief (IHT BR)-Qualifying Investments including qualifying investments on the Alternative Investment Market (AIM). Tax mitigation is important but also needs to be balanced with consideration of investment issues and questions of loss of liquidity. Sometimes it may be better to pay more tax on a larger sum than less tax on a smaller one. We do not recommend schemes the sole purpose of which is the avoidance of tax avoidance.
While Defined Benefits Pension Schemes are often advantageous, there may be situations where transferring to a personal pension arrangement better aligns with your financial goals. We provide guidance to help you understand the benefits and drawbacks of different options available to you. Our team of Pension Transfer Specialists will provide expert advice on whether a transfer would serve your best interests.
At P&B Wealth we are seeing an increasing number of clients who wish to see their Muslim values reflected in their investments. Some have already embarked on transitioning part of all of their portfolios to Shariah-compliant investments, while others may wish to begin on this important journey. Reflecting this demand, an increasing number of Shariah-compliant funds and investment instruments are becoming available to allow investors’ specific interests and requirements to be addressed.
Navigating the range of such Shariah-compliant investment opportunities can be complex and time-consuming for end investors, particularly when each may have their own priorities, values and risk appetites. Our Shariah-compliant investment service enables our clients to own- portfolios that directly reflect their individual requirements, for example avoiding certain industries or businesses and focusing more on those that reflect a positive correlation to appropriate business practices and values. This tailored service allows our clients to maximise their financial and values-based, non-financial returns.
Our Head of Discretionary Fund Management has worked with our Muslim Financial Planners on researching portfolios, and we also use a programme that offers real-time information on the Shariah-compliant status of numerous quoted securities.
We can also work with appropriate clients’ spiritual advisors to ensure compliance with those clients’ individual requirements.
Some clients for financial planning and/or discretionary fund management have finances and planning requirements that are often more complex than the average. Others simply prefer the reassurance of knowing that they are being looked after in the fullest possible holistic manner, with their financial advisers co-ordinating with tax accountants, private client lawyers, mortgage brokers and other professionals to deliver a seamless service.
For such clients we have created P&B Private Office (P&BPO). In addition to financial advice, P&BPO can work on your behalf with a wide range of other specialists in the private client space, either introduced by us or already known to you.
We can offer a ‘Family Vault’ service with copies of critical documents preserved by P&BPO (both in hard copy and securely on the Cloud). These can include Lasting Powers of Attorney, Personal Letters to Family Members, Life Assurance Policies, Trust documents, Tax Returns etc., plus most importantly a certified copy of each client’s Will. Using the Family Vault will serve to reassure clients that in the event of their death or unexpected incapacity, their family and other their professional advisers will have swift access to crucial information. We will also liaise with private client solicitors and other advisers to ensure that these documents are put in place. The Family Vault can also contain details to enable access to social media accounts if a client is incapacitated or dies.
Remember, at P&B Wealth Planning, you're not just another client; you're a valued member of our financial family. We work tirelessly to provide you with the personalised advice and guidance you need to navigate your unique financial journey with confidence and success. Reach out today to start your financial planning journey with us.
Contact an advisor on 0203 750 1801
At P&B Wealth Planning, we believe in starting with the essential question: What is money for? Together, we'll explore the answer and develop a personalised financial strategy that aligns with your unique goals and values.
At P&B Wealth Planning, we believe in starting with the essential question: What is money for? Together, we'll explore the answer and develop a personalised financial strategy that aligns with your unique goals and values.
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P&B Wealth Planning is a trading name of Peregrine and Black Investment Management Limited, a firm authorised and regulated by the Financial Conduct Authority. FCA FRN 757. Company registration number 09706196727.
© Copyright 2023 P&B Wealth
Registered Office: Peregrine & Black Investment Management Ltd, 8 St James's Square, London, SW1Y 4JU. Please note we are a financial and wealth planning business but not tax advisers. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. You should always take independent tax advice. Tax advice is not regulated by the FCA.
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