David Verney

About me Lifelong cash-flow planning is at the heart of the advice I provide to my clients. In essence, I help them plan so that they never have a fear of running out of money. If I find they are likely to accumulate more and more wealth throughout their lifetime, I advise them on how to reduce the impact of inheritance tax and pass as much of this wealth as possible onto future generations. Every client is unique and therefore the importance of understanding and including individual lifetime goals as part of their financial plan cannot be underestimated. As part of the planning process I look to consider the impact of different scenarios, for example, what would be the effect of a future need for long-term care, with the associated costs, on the projected outcome? I believe that this approach helps my clients make informed decisions regarding their financial futures, for example, whether they should make lifetime gifts to family or trust, or invest to grow their wealth, considering how much risk they might want, or need, to take to achieve their goals. My aim is to deliver solutions tailored to individual [...]

By |2019-04-24T08:50:09+01:00October 12th, 2018|Comments Off on David Verney

Marc Ruse

About me I have worked as an independent financial adviser for over 30 years, advising private clients and businesses on all aspects of their financial requirements. I’ve always taken a holistic approach to financial planning, rather than a purely product-based approach. Financial planning isn’t just about choosing the right investment or picking the best pension plan. Instead, I focus on building long term relationships with my clients and their families so that together we can design and implement lifelong financial planning strategies that are appropriate for each generation. Using market-leading and sophisticated cash-flow forecasting tools my team and I can provide clients with a window into their financial future with the aim of ensuring that they never run out of money. One of the most satisfying aspects of the work I do is showing clients how having a plan in place can help them achieve their financial independence at the earliest opportunity. Many of my clients have been with me for years, and think of me as a trusted friend rather than simply a professional adviser. When I’m not working with clients I enjoy cycling and spending time with my family. I’m also an accomplished home-brewer (though not everyone [...]

By |2019-04-24T08:56:22+01:00October 12th, 2018|Comments Off on Marc Ruse