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Our Services

Understanding your current situation and aspirations

Genuinely independent financial planning and wealth management advice is much more than just recommending a product to solve an immediate need. It is about creating a financial strategy and road map to help you achieve your short, medium and long-term financial goals.

By first understanding your current situation and aspirations, including your attitude and capacity to take risk, your unique financial plan can be designed, agreed and, with your consent, implemented. As an independent firm, IBB Wealth work for you, our client, and we can source the right solution from the whole of the market.

Your financial plan may use different types of investments and pensions and may include an investment strategy designed to suit your individual circumstances. Your Wealth Team Adviser will use a range of financial tools to help develop your plan including cash flow modelling, where appropriate.

To find out more about how we can help you, please contact our Wealth Advice Team on 01895 544 001 or email info@ibbwealth.co.uk.


Retirement Planning

Living for another 30 years after work isn’t just a possibility, it’s a probability. Whether retirement is many years away or just around the corner, unless you start planning for retirement now, there is a great danger that you could outlive your savings. The earlier you start planning, the easier it will be to create the retirement lifestyle you want.

Just as every client is unique, so is the retirement planning service IBB Wealth build around them. Whatever stage you are at in your life, retirement planning is something you should consider, particularly since retirement rules introduced in 2015 made pensions more accessible and inheritable than ever before.

Most people build up several different pensions over their working lives, and understanding the benefits of each scheme is important. We are both Personal and Occupational Pension Specialists so we can advise you on what is best for you and your retirement planning.

Investment Planning

Whether you want to create, maintain or grow your wealth, it is important you have a plan. With constant changes to the economic, political, regulatory and financial environment, it is crucial that your investments are aligned and reviewed.

IBB Wealth’s highly qualified and experienced Wealth Team Advisers will select a portfolio with an asset allocation that is aligned to your agreed risk level and is suitable for your investment and financial planning needs.

Regular rebalancing of investment portfolios to keep your investments aligned with your attitude to risk and your capacity for loss is imperative. ISAs and tax management, particularly Income Tax and Capital Gains Tax, are also key elements of your investment portfolio review.

Protection Planning

We understand that peace of mind for the future is essential. You’ve worked hard to build and grow your wealth; it’s only natural to put in place measures to protect it. But unforeseen life events and circumstances can potentially impact your finances in a number of ways.

IBB Wealth can help you to safeguard your wealth today and for future generations and organise it to support your needs and goals. Financial protection benefits have become more important as financial foundations have shifted, government resources have been strained, and costs have climbed.

When people need them most, benefits such as disability, accident, critical illness and life insurance protect against financial hardships that can derail their stability.

Cash Flow Modelling

Making provision for a secure future, be it for yourself, your family or your business, is one of the most important steps you will ever take. Changes in your circumstances or the effects of inflation will require you to regularly review and act upon your financial situation. Cash flow modelling can be a key component of your financial planning review. 

Part of this process is to understand ‘your number’ – in other words, the amount of money you’ll ultimately need to ensure complete peace of mind in knowing your future lifestyle is secure and making sure you don’t run out of money before you run out of life.

By getting to know you and what you want to achieve, we’ll be able to provide you with a detailed action plan that is focused on you. Using a holistic financial planning process, we can get a clear view of your current lifestyle and the life you want to live.

With the guidance of your Wealth Team Adviser, cash flow modelling can help you visualise your current financial position and demonstrate how your future financial goals and objectives can be achieved. Life events, investment performance and taxation can all be taken into consideration to give a reviewable and detailed plan.

Estate Planning

Effective estate planning aims to ensure that the wealth you have accumulated during your lifetime is distributed to the right people, at the right time and as tax-efficiently as possible. Regardless of your level of wealth, estate planning is a vital part of your overall financial plan. Planning ahead can give you greater control, privacy and an opportunity to leave more of your legacy to your loved ones.

If your estate is likely to be worth more than the Inheritance Tax (including the Residential Nil Rate Band) at the time of your death, you need to consider the potential impact of Inheritance Tax on your family. Proactive planning can make a significant difference and may help to reduce Inheritance Tax. Trusts are commonly used to ensure that your wealth is managed and distributed exactly as you wish.

Whatever you wish for your wealth, we can create a bespoke plan that reflects your priorities and particular circumstances. At IBB Wealth, we understand the complexities and technicalities of Inheritance Tax, and we will work with you to ensure the best estate planning is achieved for you and your beneficiaries.

Tax Planning

Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax bill. Tax liabilities can be costly, and it is important to plan and account for these.

The UK tax system is very complex, but the benefits of structuring your finances tax-efficiently can be significant. Proactive personal tax planning utilising all available and relevant tax allowances (for example, ISA allowance) should be a key component of every financial planning strategy to ensure all income and capital gains taxes are minimised, especially in a high-taxation environment.

IBB Wealth can advise you on the best way to hold your current investments and work with you on an ongoing basis to ensure that your wealth accumulates and you drawdown from your investments in the most tax-efficient manner.

Knowing yourself, your needs and goals

Its well worth taking the time to think about what you really want from your future. Knowing yourself, your needs and goals, and your appetite for risk, is a good start. Your focus should be on ensuring that the inevitable bumps along your investment journey do not force you, of course.

The specialist team at IBB Wealth will help you define and develop your goals and understand your approach to investment risk to determine the appropriate asset allocation for your investment goals.

To find out more about how we can help you, please contact our Wealth Advice Team on 01895 544 001 or email info@ibbwealth.co.uk.