Financial planning
A strategic plan for your wealth, from school fees to retirement
Weatherbys’ financial planning service includes a personalised cash flow plan, helping private banking clients model future income, assets, tax liabilities and significant expenditure to support informed financial decisions.
Whether you are planning for a major life event or have recently acquired significant wealth, such as through the sale of a business, our advisers can help you understand how your wealth supports your long-term goals, and how best to structure, invest and protect it for the future. We also review your plan regularly as your circumstances or tax laws change.
Our financial planning services
Personal cash flow modelling: Long-term projections of income vs. expenditure to protect lifetime liquidity.
Retirement and pension planning: Advice on pension consolidation, drawdown strategies and tax-efficient contributions.
Inheritance tax (IHT) mitigation: Strategies for gifting, trust structures and estate planning.
Major expenditure planning: Specific modelling for school and university fees or significant property acquisitions.
Family protection: Review of life insurance, critical illness and income protection.
Tax-efficient investment structuring: Maximising the use of ISAs, pensions and capital gains tax (CGT) allowances.
Creating your cash flow plan
At the heart of our advice is a clear financial roadmap – a personal cash flow plan that helps you understand how your money supports your goals and how different scenarios could shape your future.
Taking into account all your outgoings, including large outlays like school fees, it will help you understand and make the most of your wealth. Even if you’re comfortable you have ‘enough’, we might uncover new opportunities worth exploring; we will always give you the options, so you can move forward with confidence.
We know that life doesn’t always move in a straight line your priorities may change. So we don’t just create your cash flow plan and leave it at that. We will review it with you regularly to check it’s still on course. It’s your future – and we’re with you all the way.
What our cash flow plans look like
Initial discovery: We audit your income, outgoings, assets and liabilities.
Scenario modelling: We project your wealth forward, testing variables like early retirement or market downturns.
Gap analysis: We identify where your current strategy might fall short of your future expenditure goals (e.g., school fees).
Strategic recommendations: We suggest actionable changes to tax structuring and asset allocation.
Ongoing management: We review the plan annually to reflect new Budgets or lifestyle changes.
The power of planning and investing
Financial planning focuses on the “why” and “when” of your wealth, helping you define your goals, prioritise what matters most and understand when you are likely to need access to your money. Investment management focuses on the “how”, ensuring your portfolio is structured and managed in a way that supports those ambitions.
Together, they create a powerful combination. Financial planning provides the direction, while investment management helps turn that strategy into reality. By bringing these disciplines together, you can make more informed decisions, remain focused on your long-term objectives and adapt confidently as your circumstances change.
At Weatherbys, our financial planners and investment team work closely together to provide a joined-up approach to managing your wealth. This ensures your investment strategy remains aligned with your broader financial goals, giving you the confidence that every part of your financial life is working towards the same outcome.
What you need to know
Tax laws may change and taxation will vary depending on your own personal circumstances.
Investments can go up and down in value and you may not get back the full amount you invest.
FAQs
It includes a comprehensive cash flow model, a review of pension and ISA efficiency and specific strategies for inheritance tax and major future expenditures like school fees.
We work with you to establish what you have today and how long it is likely to last. By taking a clear view of your assets, income, expenditure and future objectives, we can help you understand whether you are on track to meet your goals and identify any adjustments that may be needed along the way.
We recommend a formal review at least once a year, or whenever there is a significant change in your personal life or UK tax legislation (such as a Budget).
Financial planning sets the strategy and goals (the “Why” and “When”), while investment management implements that strategy through portfolio construction (the “How”).