Charlton Wealth Management

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We help our clients identify and address their current and future planning requirements through a process called lifetime cash-flow modelling.

We use a specially designed software program to examine the financial future of our clients as a key element of our lifestyle financial planning service.

This system supports us in providing a detailed picture of our client’s current financial position. We are able to illustrate how your financial future looks, by rolling your financial position forward in time, year by year, taking account of all the relevant factors and anticipated events you wish to consider and include along the way.

We can model the effects of pretty well any financial action or change, at any point in time… helping you answer those “future” questions, such as:

  • When can I afford to make the choice to carry on or to stop working?
  • If I give some of my money to my children, will I still be able to live comfortably?
  • What rate of investment return do I need to achieve my objectives?
  • Will downsizing our home in the future release enough cash to support or fund my retirement?
  • What will be my estate’s likely inheritance tax bill, and are there ways of reducing this liability?
  • If I die or get seriously ill, how will things look for my family financially?

Lifetime cash-flow modelling is of tremendous value to people who wish to:

  • Become and remain financially well organised.
  • Determine their lifetime goals.
  • Create a lifetime cash flow plan.
  • Control their tax liabilities.

A cash-flow modelling exercise leads to a personalised report and discussion which:

  • Presents a clear and detailed summary of your financial arrangements.
  • Defines your family’s version of the ‘good life’ so you can begin working towards it.
  • Sets out a path towards achieving and maintaining financial independence.
  • Quantifies the capital and income provision required to cater for the financial consequences of the death or disablement of yourself or your partner.
  • Identifies opportunities to minimise your tax liabilities.
  • Analyses your future income and expenditure using realistic assumptions.
  • Leads to creation of an investment strategy tailored to your short, medium and long term aims and takes account of your attitude to short term volatility in the value of investments
  • Raises awareness of tax issues likely to arise on death of yourself and your partner.

Private Client Advice

  • Investment strategies
  • Pension planning (including Income Drawdown)
  • Tax-planning strategies (including Inheritance Tax Planning)
  • Life and health insurance
  • School fees planning
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