https://www.perceptiveplanning.co.uk/blog daily 0.75 2020-10-06 https://www.perceptiveplanning.co.uk/blog/life-should-be-interesting-and-investing-should-be-boring monthly 0.5 2020-10-06 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1600876705276-024ETWQTOPHBBDIX8LSQ/image-asset.jpeg Blog - Life should be interesting and investing should be boring https://www.perceptiveplanning.co.uk/blog/the-challenge-of-passing-wealth-across-generations-or-why-monetary-gifts-should-come-with-a-financial-planner-attached monthly 0.5 2020-10-06 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1600876069628-86SSO73VIS7PHT5HZBM2/laura.janes%40uniquity.co Blog - The challenge of passing wealth across generations, or why monetary gifts should come with a Financial Planner attached. https://www.perceptiveplanning.co.uk/home daily 1.0 2024-01-05 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596022641311-KIVF9KUNOAS3L0DIPY4Y/rawpixel-com-nappy--3.jpg Home https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596024026327-XQ3A6ZWVWIW3R2HJMKJJ/crop_rawpixel-com-nappy-.jpg Home - About us We offer independence, hard-won wisdom and sound technical ability. Providing exceptional, personal client services is at the heart of what we do. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596023277275-JXJSWWSB6KQJLIQRAWWB/iStock-874866620.jpg Home - Who we work with Typically our clients are at a point of change in their lives, and are looking for focused, practical Financial Planning and Investment advice. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596024000135-UZUHFJBHDEA7RSUZR53B/brighter_matt-mcnulty-WMKsfh1yvHY-unsplash.jpg Home - Our Approach An important part of what we do is helping to get clarity and simplicity out of complexity and ‘noise’ – especially at times of change in our lives. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028662601-THM0HIZH8T9HQ8N590BX/Asset+4%402x.png Home - Step 3: Analysis What is the data telling us? What can we lean? https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028641030-7AGU1K8ND080UTKHQSCV/Asset+5%402x.png Home - Step 2: Collect the Data Start with the known. Gather it together in one place. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028698003-POYKZSCXT5B48UX1AQQM/Asset+4%402x.png Home - Step 5: Implementation Do the doing required to move things forward. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028624454-8GA7R4XZQNTWS36QV3BG/Asset+4%402x.png Home - Step 1: Engagement What are we trying to achieve together? https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028679284-JW8KHMF5G8XFAFGM2QJX/Asset+5%402x.png Home - Step 4: Develop the Plan This will be a collaborative and interactive process. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028711305-LXR5JTWZVM8XLTOJBLE2/Asset+5%402x.png Home - Step 6: Review and Adjust Real life is often different to the Plan. The ongoing relationship ensures we remain on track. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585930823428-8JBGZH2YGKE7KTSU5Q0P/iStock-637815704.jpg Home https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585754385781-M8XVYV48U23P9D0VB929/cfp-logo-png-transparent.png Home https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585754350713-81RTGYAN0WWRZ7OKI6T2/Chartered_Standard_Corp_FP_Gold_RGB-01.png Home https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585756074442-A7AMOYOQ1G5NIGDQTQ8D/IMCC%403x.png Home https://www.perceptiveplanning.co.uk/our-clients daily 0.75 2020-07-31 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585931116962-A7ZFSXJF3DCACUJ7PZEX/iStock-501505868.jpg Our Clients - New Money Protecting the wealth you’ve grown. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585930928611-NMH26YA3KZU2X2RNPUL7/vidar-nordli-mathisen-loTTPqOed7c-unsplash.jpg Our Clients - Financial Independence Helping you fund your retirement. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585930995849-MV4DFPD8HCYG8JWALAU1/benjamin-voros-jv15x2Gs5F8-unsplash.jpg Our Clients - World Citizens Organising finances across borders. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585930823428-8JBGZH2YGKE7KTSU5Q0P/iStock-637815704.jpg Our Clients - Intergenerational Carrying wealth through generations. https://www.perceptiveplanning.co.uk/our-approach daily 0.75 2020-07-31 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028698003-POYKZSCXT5B48UX1AQQM/Asset+4%402x.png Our Approach - Investment Philosophy This guides the work that we do with you. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028711305-LXR5JTWZVM8XLTOJBLE2/Asset+5%402x.png Our Approach - Financial Planning The planning process consists of six steps. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028711305-LXR5JTWZVM8XLTOJBLE2/Asset+5%402x.png Our Approach - How We Get Paid We’re independent, so only our clients can pay us. https://www.perceptiveplanning.co.uk/about-us daily 0.75 2024-01-05 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028711305-LXR5JTWZVM8XLTOJBLE2/Asset+5%402x.png About Us - Chartered Status Our Chartered Status is our promise to you. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028698003-POYKZSCXT5B48UX1AQQM/Asset+4%402x.png About Us - Meet the team Get to know the faces behind Perceptive Planning. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596028698003-POYKZSCXT5B48UX1AQQM/Asset+4%402x.png About Us - World Citizens Managing wealth across countries. https://www.perceptiveplanning.co.uk/contact daily 0.75 2025-05-15 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/45f0b3e7-7dd9-4315-b264-f2e7b65eb300/Old+Buttery+1912+image+1+%281%29.jpg Contact Us - Our office at The Old Buttery back in 1912 By kind permission of our landlord, the farmer on the estate. https://www.perceptiveplanning.co.uk/intergenerational daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596030230194-QA4FCJOTTD3JWGOYAJB4/webiStock-1148000277.jpg Intergenerational - Keeping it in the family The cliché is that “the first generation builds the business, the second makes it a success, and the third loses it”. Some figures suggest that some 90% of the original wealth is lost over this period. With that firmly in mind, we have worked with a range of clients to help their children understand that the family wealth is a finite resource, and the importance of careful financial management. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596030490084-202Y5CDMJNX018H7P61J/iStock-610547414.jpg Intergenerational - Wealth that lasts lifetimes Very soon after launching Perceptive Planning we became aware that many of our clients have achieved their wealth by the sale of a family owned business. In jargon terms, that makes them ‘First Generation Wealth’. This means initially ensuring that parents are safe and secure, with an income stream they cannot outlive wherever possible. Once that happy position is reached, we look at gifting money. We like to ensure that gifts ‘come with a planner’. This helps get the next generation – and the one after that – used to the life-changing effects of wealth, whilst understanding how to control and preserve it. This means ensuring that all available allowances are used. We use cashflow planning to show the effect of choices and changes to capital and expenditure. In this scenario we take a long-term, multi-generational view rather than a traditional ‘fund picking’ approach. And since each family is different, tailoring and personalising our advice is critical in these situations. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596035245908-2EO67W16IR2US8RT4CH5/vidar-nordli-mathisen-loTTPqOed7c-unsplash.jpg Intergenerational - Financial Independence Smoothing the transition into retirement. Read about Mr and Mrs Somerset’s experience of working with us in this way. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034717579-4IB9RECCN4OEFU5IQ050/iStock-915747092.jpg Intergenerational https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034992462-I3KA9L8Q8GM8EXDSNARR/iStock-874866620.jpg Intergenerational https://www.perceptiveplanning.co.uk/financial-independence daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596032120255-IBMGJ0MHL7W9Y3HRJ5SD/iStock-1129519466.jpg Financial Independence - What’s important? Mr and Mrs Somerset had been very successful in life and should have been comfortable in retirement. Unfortunately, a series of speculative investments made upon the advice of previous financial advisers had resulted in compounded losses of some £1 million. We were able to help them recover some, but not all, of these losses. Our first priority was to take a hard look at what their income requirements were, and if they could sustain their lifestyle. Then, we asked what their ‘sacred cows’ were – the things on which they were unwilling to compromise. The clients’ answer was ‘I do not want to spend a £1 less on a bottle of wine!’ https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1585930892712-Q41J23MVR6U2E3XAQEI6/vidar-nordli-mathisen-loTTPqOed7c-unsplash.jpg Financial Independence - Plan, plan, and plan again After extensive analysis and discussion, our approach was to set up a ‘Managed Retreat’. With their active input and awareness we at Perceptive are slowly and carefully managing the erosion of their overall capital, whilst still allowing them to sustain their lifestyle. This involved working with the client to sell off assets, reduce costs, and increase income from other sources. Mr and Mrs Somerset are now far more relaxed about their lifestyle. They are confident that there will be money left over at the end of their lives, rather than life left over at the end of the money, which was a distinct possibility at one point! They are still very hands on with their portfolio, and the assets continue to grow – they now have secure financial independence. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034717579-4IB9RECCN4OEFU5IQ050/iStock-915747092.jpg Financial Independence https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596039336957-BA25HIHCFTFGWLCACV7I/webiStock-1148000277.jpg Financial Independence https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034992462-I3KA9L8Q8GM8EXDSNARR/iStock-874866620.jpg Financial Independence https://www.perceptiveplanning.co.uk/world-citizens daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034612549-VOIMBFI4VSSSEGEDIGLG/benjamin-voros-jv15x2Gs5F8-unsplash.jpg World Citizens - A tale of two countries Our clients Dr & Mr London had been successful in South Africa and had worked with a financial planner there. Over time their children moved to the UK and they followed suit. Initially this was a ‘swallow lifestyle’ (swallows never see winter…), but eventually they made the full move. Apart from a step change in the underlying cost basis of their lives, it was time to reorganise their finances. Whilst all liabilities were now in sterling, their assets – and resultant income – were in both rands and dollars. This ran into two key challenges: the uncertainty and income fluctuations caused by currency fluctuations; and the realisation that more of the income was taxable, since normal UK tax allowances were not being used. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034712398-IGGHSZ2MLRCMKVQDUVE8/iStock-915747092.jpg World Citizens - Settled and content Our role was to get things into the right accounts, in the right asset mix, and simplify the situation to reduce tax, reduce cost and reduce uncertainty of income. Now, Dr and Mr London describe themselves as ‘settled’ – exactly as they should be with their grandchildren on their doorstep. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596039336957-BA25HIHCFTFGWLCACV7I/webiStock-1148000277.jpg World Citizens https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596035245908-2EO67W16IR2US8RT4CH5/vidar-nordli-mathisen-loTTPqOed7c-unsplash.jpg World Citizens https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034992462-I3KA9L8Q8GM8EXDSNARR/iStock-874866620.jpg World Citizens https://www.perceptiveplanning.co.uk/new-money daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596125291311-TV2Y6YGKU8QT7EZQC6D9/marc-kleen-PdMi4CY8RtM-unsplash.jpg New Money - You only get one shot As with many of our clients, Mr and Mrs Wright are bright, educated and have built up substantial assets from their income. Along the way, they have acquired products or funds from a variety of sources, but mainly from running a profitable business. One of the first things Mr Wright said to us was “I built my business from scratch, but as I now approach retirement, I’m aware that if I make a mistake now, it’s too late for me to go back and make my wealth again”. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596125364812-L4F6DNMY8YWKKOIUWBRH/iStock-874866620.jpg New Money - Keeping it safe We quickly established that whilst they have indeed done very well, there were key areas that they were in danger of not getting quite right. The restriction in the Lifetime Allowance was likely to affect them, but equally, they had not used all the legitimate allowances open to them. Using Capital Gains Tax allowances where possible we have restructured their portfolio to reduce cost, whilst being very mindful of their attitude and capacity for investment risk. We were able to reduce many of their costs by around 1% per annum – a significant gain! As the initial phase of working with Mr and Mrs Wright comes to an end, we can focus on being the ‘safe pair of hands’ going forward and giving sound, technical financial planning and guidance. https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596039336957-BA25HIHCFTFGWLCACV7I/webiStock-1148000277.jpg New Money https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596035245908-2EO67W16IR2US8RT4CH5/vidar-nordli-mathisen-loTTPqOed7c-unsplash.jpg New Money https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596034717579-4IB9RECCN4OEFU5IQ050/iStock-915747092.jpg New Money https://www.perceptiveplanning.co.uk/meet-the-team daily 0.75 2025-06-06 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596128360174-YVXJYB2DGANVLF0QU17P/IMG_7711-e1456931524848-500x620.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596127509750-3ELKW2R4S3NF4IG5UYBZ/IMG_7900-e1456931621723-500x620.jpg Meet the Team - Phil Billingham https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596130140146-E2LZZR9AA0LI1HPV4FJZ/IMG_7695-e1463734235453-500x620.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1599751950276-7HQZ6FHGQHPUZMKTOVNY/Alex+Photo.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/3ee954d0-db50-4aa1-85e7-8edb28c13785/20230622_110622.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1633441048524-EEFE1N2CIDGU0A3F4WIK/Caroline+picture+for+website+Oct+2021+%282%29.jpg Meet the Team https://www.perceptiveplanning.co.uk/chartered-status daily 0.75 2020-09-21 https://images.squarespace-cdn.com/content/v1/5e7f391334de306c2b874608/1596132927828-SS83C9L3FU7PAHXXAJAW/cropped+white+chartered.png Chartered Status https://www.perceptiveplanning.co.uk/about-world-citizens daily 0.75 2020-09-21 https://www.perceptiveplanning.co.uk/financial-planning daily 0.75 2020-07-31 https://www.perceptiveplanning.co.uk/investment-philosophy daily 0.75 2020-09-21 https://www.perceptiveplanning.co.uk/how-we-get-paid daily 0.75 2020-07-31 https://www.perceptiveplanning.co.uk/privacy-notice daily 0.75 2020-07-31 https://www.perceptiveplanning.co.uk/terms-conditions daily 0.75 2025-05-15