For You And Your Family

Services for Personal Clients

We offer a wide range of services to our personal clients, covering every aspect of your financial affairs at every life stage. At Franklyn, we’ll sit down with you face-to-face to determine where we can help you reach your goals or add value to your existing arrangements.

We’ll consider and advise on options and agree a strategy best suited to your risk profile and objectives – then we’ll regularly review your arrangements as your needs change over time, to make sure our recommendations remain on course towards achieving your ambitions.

Why choose franklyn

Income or growth? Are ISAs worthwhile? What about Investment Bonds, Unit Trusts and Offshore Investments? When your financial well-being depends on it, you need the answers – that’s where Franklyn can help. Your future financial security depends on taking an overview of your commitments and investments, and creating the right strategy to balance growth and security. And with so many investment options available, reliable wealth management advice will prove invaluable in helping you reach your financial goals.

We’ll get together with you to discuss your financial goals, take an overview of your current situation and talk you through all the options available. We’ll look at portfolios based on growth and income, ISA options (including Junior ISAs), Investment Bonds, Unit Trusts and Offshore Investments, and create a balanced, tax-efficient investment strategy to best meet your needs.

Every investment strategy is different, and yours will be unique to you – so it’s vital to talk to a member of the Franklyn team about your options in person.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise, so you may get back less than you invested.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation

Retirement Planning

Whatever sort of retirement you’re looking forward to, pensions remain one of the most tax-efficient ways towards having the financial means to enjoy it. It’s also a complex and ever-changing landscape – which is why seeking the right financial advice is a wise move. When should you start your pension? How do you maximise your pension fund? What type of pension is best? Can you take some of your pension pot as cash?

There are so many options, and the implications vary according to whether you’re employed, self-employed, nearing retirement or already retired. At Franklyn, we’ll sit down with you and review any existing arrangements before advising you on the right choices for you. And if you’re an employer or trustee, our team can advise you on your responsibilities and how to prepare for any future changes in pension legislation, for example.

Your retirement planning will be unique to you. That’s why we recommend talking to a member of the Franklyn team in person to discuss your options.

The value of a pension with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise, so you may get back less than you invested.

Estate Protection

Protecting your family and home should be an integral part of any wealth management plan. Here, taking the long-term view is essential – looking not just at Inheritance Tax (IHT), but also areas such as Capital Gains Tax, illness and loss of income – and good advice can be, literally, worth its weight in gold.

Mitigating IHT is important of course, to make sure your family gets as much of your estate as possible at a difficult time; but other forms of protection are important too. Life, critical illness and disability cover are essential to help your family cope at stressful times; many of us will need varying levels of professional care in later life, and good advice now can help cover the costs later.

Later Life Planning is one of Franklyn’s specialities, and we can help you plan for IHT, make gifts to your heirs and secure an income for long term care.

The value of an investment with St. James’s Place, and any income drawn from it, will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time, and are dependent on individual circumstances.


Inter-generational Wealth

As we all live longer, many of us want to share our collective wealth with our children or parents while we’re still around, rather than waiting for a Will to take effect. This is what’s known as ‘intergenerational wealth management’ – and requires as much attention as any other financial plan.

Perhaps it’s helping parents with expensive long-term care costs. Or helping children get on the property ladder or funding your grandchildren’s education. There are all sorts of reasons why you might want to transfer some of your wealth during your lifetime – and Franklyn’s here to help.

Whenever you share your wealth, even amongst your own family, there are implications to take into account. You’ll need to make sure your overall family wealth can also last through your own, possibly extended, retirement of course. And depending on your circumstances, there may also be tax issues to work around. Which means your best course of action initially is to sit down face-to-face with a member of the Franklyn team to discuss your options.