Financial Planning

We can help you prepare for the future with financial planning advice designed specifically for you. Why is financial planning important? A good financial plan is a blueprint that helps you save, invest, and approach retirement, tax and estate planning with confidence.

Reach Your Financial Goals with the Right Help

Hiring the right financial adviser can help you take control of your finances and reach your financial goals. As an investor, you’ve built your nest egg to fund a comfortable retirement. A financial adviser can help you make the most of your assets in a tax-efficient way and keep you on track for the long term.

The Private Client Advice Group at Fisher Investments UK is a team of qualified UK financial advisers who are authorised and regulated by the Financial Conduct Authority (FCA). They provide financial advice on a range of topics including pension planning, tax-efficient investing, retirement planning and drawdown, LTA planning and IHT and estate planning

  • What is Financial Planning?
  • Financial Planning Process
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What is Financial Planning?

Long-term financial success is rarely an accident. It requires meticulous planning. We believe in a holistic approach to reaching your long-term investment goals.

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Financial Planning Process 

At Fisher Investments UK, we believe the financial planning process should start with a detailed understanding of your current financial situation and your long-term goals and objectives.

How Fisher Investments UK Can Help

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Financial Planning Evaluation

How does your financial plan stack up? We can help you evaluate if you’re on track to meet your goals and help with budgeting for the future you want. We can review your individual circumstances, goals and accounts (such as pensions, ISAs and investment accounts) and provide recommendations designed to create a financial plan that helps you achieve your goals and objectives in a tax-efficient way. Fisher Investments UK has clients’ best interest in mind—we want you to be a successfully retired investor.

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Investment Portfolio Management

Our investment professionals take the time to learn about your personal financial situation and at the conclusion of this detailed review, where deemed suitable, may recommend an asset allocation strategy we feel best fits your particular situation, along with a recommendation for discretionary investment management services provided by our parent company, Fisher Investments. Fisher Investments’ portfolio management approach—combined with its proactive, personalised service—has allowed it to manage portfolios for more than 40 years.

Fisher Investments UK is a restricted advice firm authorised by the FCA. Fisher Investments is not regulated by the FCA, they are based in the United States and Regulated by the SEC. This means that certain protections of retail customers in the UK may not apply. Fisher Investment UK’s advice service is a restricted advice service only. Accordingly, we will only recommend certain products and services offered by a limited number of third parties.

The Path to a Financial Plan

Wooden pathway in the woods Creating your financial plan involves compiling your assets and goals and creating a long-term strategy to help ensure your financial future is secure. A financial adviser can help guide you in creating a financial plan. Whether you’d like to invest and grow your net worth or spend every penny, a financial adviser can walk you through the following essential steps to building a personalised plan.

Set Your Goals

Your retirement plan begins with you and your goals—what you want to do, how much that will likely cost and any additional goals you may have for your money. Fisher Investments UK can support your retirement planning journey by reviewing your current financial plan, income and expenses, and help you build a long-term investing strategy to meet your objectives.

 
Understand Your Spending

A thorough financial plan accounts for what you need to spend and how you’ll get the money for it in a tax-efficient manner. It will aim to use the various tax allowances and annual exemptions available to you, often through a combination of pension income and investment income. A sound investment plan can help your assets last longer—and even grow—through retirement.

 
 
Define Your Time Horizon

How long will you need your money working for you? It may be longer than you think. Your retirement planning process includes many factors that may extend beyond your lifetime. Plan ahead to avoid surprises later.

 
Plan for Emergencies

Understand how an emergency fund factors into your financial plan. Retirement planning includes the expected and unforeseen costs of life. A financial adviser like Fisher Investments UK can help you be ready for both.

woman evaluating her perosnalized finanical plan from fisher investments that includes estate planning, budgeting and cash flow analysis

Financial Planning: More Than a Budget 

To create a personalised financial plan, investors should understand what financial planning entails. Financial planning is more than just setting a budget, evaluating your assets or estate planning; it is a broad evaluation of what your financial life is now and what you want it to be in the future.

Financial planning comprises evaluating your net worth, weighing assets against liabilities, understanding your current cash flow situation and solidifying your short- and long-term financial goals. If that sounds like a lot—that’s where Fisher Investments UK can help.

Fisher Investments UK takes a holistic approach to your finances. Accounting for every part of your financial future will help you stay on track to meet your financial goals—be it leaving a legacy for your family in an Inheritance tax (IHT) efficient way, gifting to charities, generating a tax efficient income through retirement, or saving up for a big purchase such as a holiday home.

Getting Started with Financial Planning

Financial planning can be daunting. It often helps to understand where to start the process. Fisher Investments UK believes the financial planning process should start with a detailed understanding of your current financial situation. Here’s how.

You’ll want to take stock of both sides of your financial ledger—assets and liabilities. This will help you determine your current net worth and overall financial health. You can start with your financial assets, then compile the values of notable personal property—anything from cars to jewellery.

After reconciling your assets, review your debts to understand how much you owe. The most common items in this category are mortgages and credit card debt. Make sure to account for every kind of debt you have.

Next, you can evaluate your budget, both income and expenses, to help you project what your future cash flow needs may be in retirement, including possible large expenses such as purchasing a holiday home, funding education or gifting to family members.

Once you have a detailed picture of your current financial situation, financial goals and you have evaluated your cash flows, you can begin to create a personalised financial plan. Fisher Investments UK can formulate this plan for you, offering UK-regulated financial advice to help you save and invest tax efficiently as you approach and throughout your retirement.

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Contact Us

Learn why 145,000 clients* trust Fisher Investments UK and its subsidiaries to manage their money and how we may be able to help you achieve your financial goals.

*As of 31/12/2023

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0800 144 4731

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