Flintham Mackenzie Financial Services Ltd.

What We Do

Wealth Management

We offer a comprehensive Financial Planning and Wealth Management service for Individuals and families. Our goal is to help our clients make the most of their assets or income with a view to ensuring a secure financial future.

Our service includes advice on Pensions and other tax efficient shelters for your savings, insurance protection for you and your family and structures to plan for future events. Whether you’re saving for the future or looking to make the most of your existing investments we will work with you to plan an appropriate strategy.

We will advise how to hold your investments to maximize tax efficiency and how best to ensure that you will have access to the right amount of capital or income when required.

Employee Benefits

We work with businesses of all shapes and sizes providing advice around benefits for staff and directors; including pension schemes, medical and other insurances such as life cover, health and well being and voluntary benefits; potentially all linked through a flexible package.

Businesses may also need help with other insurances, cash management and protection for key people. Shareholder protection may also be needed for owner-managed businesses.

Business Planning

We are able to offer specialist advice to large and small businesses around many areas of future planning and protection.

Through the experience of our team and a range of trusted partners, this advice will cover most areas from the initial set up and structuring of a new enterprise through raising finance or investment for growth to the eventual exit.

Wealth Management

We understand that everyone will have different requirements from their wealth planning and as such individually tailor a plan to suit their needs. Building an appropriate financial framework must be quantified and qualified. Long term Wealth Management, is the cornerstone on which a client’s Wealth Plan is developed.

As Financial Planning Experts, we pride ourselves in the ability to work closely with our clients. By listening and questioning; we will understand what is needed to achieve your objectives. By structuring an individual client profile, taking into account needs, ambitions and views on risk, we will then create a personalised assessment of the areas where advice is needed. The Wealth Plan provides a tailored set of recommendations, ranging from investments, through to retirement planning as well as tax structuring. As expected from client focused Wealth Management Company, your tailored plan will contain innovative solutions and where required industry leading partners may be brought in to assist.

Our Advisory Team is supported by specialists and industry experts. Working closely with clients and developing long standing partnerships; helping our clients to build, assess and adjust their planning as markets, fiscal regimes and their own circumstances develop and change over time.

 

Understanding your circumstances and goals

With every client we will undertake a review process which involves gathering information about personal circumstances as well as future plans and aspirations or goals. An initial meeting will allow us to collect as much detail as possible and there is no charge for this stage of the process

 

Building an achievable financial plan

Once we know where you are and where you want to be we will agree with you an achievable plan. Our independence allows us to look widely for appropriate solutions for your circumstances and once we have agreed initial structures a regular review process will also be put in place.

 

Service and customer focus

Our proposition is built around the needs of our clients and foremost in this will always be a focus. Over the longer term we aim to build strong relationships with our clients based on regular contact and a friendly, helpful approach to dealing with any questions you may have.

 

Managing your wealth
  • Advice at retirement
  • Investment and portfolio management
  • Maximising Income
  • Estate and wealth preservation
  • Owner managed businesses and entrepreurs

 

Investment Management
  • Investment Process & Philosophy
  • Tax Planning

*please note not all tax planning is regulated by the FCA.

Employee benefits

By understanding the objectives and goals of our clients and their employees we will work with you to find the right solution. We can help with the full range of benefits, as shown below:

 

Company Pensions

For most employers a pensions scheme will be one of the larger expenses in their employee benefit budget. The introduction of mandatory funding for eligible employees had also brought many new employers into the positions where pension planning has to be considered. Our consulting service will not only assist with the set up of a new scheme but also offer ongoing support to ensure that administration and communication works well and where appropriate work to ensure effective governance. Areas we can help with include:

  • Group Personal Pensions (Contract based pension schemes)
  • Defined Contribution Pension schemes (Trust based)
  • Pension scheme investments
  • Employee communication and engagement
  • Scheme administration
  • Advice on funding structures and salary sacrifice

 

Administration

While we generally work along side our clients to help and support their internal administration there are occasions where it is preferred that we complete some of the work.

A tailored solution will be agreed in every situation along side a service level agreement. It may be that an employer would prefer us to offer a help desk service to avoid call to HR, needs help in dealing with a scheme provider or simply need help compiling and maintaining data such as member records.

 

Flexible Benefits

Although historically Flexible Benefits were seem as an option only for the largest of employers, this has changed and some element of flex is now available irrespective of size.

It is important to have the right technology solution and a clear idea of what can be achieved as and our consultancy service can help with this.

 

Group Risk

These benefts keep you and your employees protected in the event of illness, accident or death.

Covers should be tailored to suit the needs of your population and importantly they should be reviewed on a regular basis.

Covers can include:

  • Group Life
  • Group Income Protection
  • Group Critical Illness
  • Accidental Death

Our experience in this market allows us to negotiate terms for our clients and speak directly to underwriters who can help to ensure that cover is appropriate.

 

Health and Wellbeing

When an employee is ill, it’s important to get them back to good health and work as soon as possible. Insurance solutions can help with this across a wide range of areas:

  • Private Medical Insurance
  • Dental Insurance
  • Medical Cash Plans
  • EAPs (Employee assistance programs)
  • Preventative screening
  • Absence Management
  • Employee Engagement

 

Employee Benefits are a significant financial commitment for employers and it’s important to ensure that the package offered is both understood and appreciated. We can help with that through ongoing communication including:

  • Face to face information through seminars or for individuals if appropriate
  • Documentation both in hard and soft copy
  • Webinars
  • Staff surveys

Auto-enrolment & NEST – Smart Pensions

  • Auto-enrolment strategy
  • Scheme review
  • Implementation
  • Communication
  • Ongoing Administration

 

Investment Services
  • Pension scheme investment
  • Investment Process and philosophy
  • Risk profile

Business Planning – Specialist advice to large and small businesses

We are able to offer specialist advice to large and small businesses around many areas of future planning and protection. Through the experience of our team and a range of trusted partners, this advice will cover most areas from the initial set up and structuring of a new enterprise through raising finance or investment for growth to the eventual exit.

At every stage it’s important to ensure that correct steps are taken to make the most of opportunities but also to minimise risk and ensure that appropriate governance is in place; for example, to meet all statutory requirements. All business insurance needs can also be provided, with appropriate advice and discussion as well as a review of existing plans and costs.

Where a client operates internationally we are able to assist with appropriate insurance solutions, such as medical insurance and travel cover, in order to complete with local rules. We can also facilitate advice on the hire of local staff, with Human Resources and finance support available through a network of global and local specialist firms.

In most businesses the people are key to success. We offer advice around the implementation and ongoing administration of EMPLOYEE BENEFITS which can be structured both to assist with employee retention and wellbeing but also to try to ensure that key people have minimal absence in the event of accident or ill health. Employee retention and engagement can also be boosted through the implementation of different types of share scheme.

 

Key people

We can assist with the provision of insurance for key people, against loss of life or incapacity, providing the business with appropriate income to facilitate an interim hire or mitigate cash flow difficulties created. This is in addition to the principals outlined under employee benefits where we seek to boost wellbeing and minimise absence.

 

Owner managed businesses

Where a business is owned by a group of individuals it’s important to ensure that contingency planning is in place to cover the potential loss off a share holder. While a robust shareholder agreement may set out the terms of what happens to shares in the event of death of the shareholder, there is often a need to finance share purchase. Through a shareholder protection plan we can facilitate this. Through correct planning this can often also be made more tax efficient for the family or estate of the deceased.

 

Investments

If your business has cash reserves, particularly if they are likely to be held for the longer term, we can assist with investment strategies. While interest rates are low, many clients are looking for ways to improve the return available on their savings. It may also be appropriate for a business to purchase a property and we can provide support and advice around potential structures for holding commercial property, including the possibility of using pension funds to facilitate a purchase.

Directors: Saeed Ferdos BSc, ACA, FCCA, CTA, Brij Taneja BCom, FCCA, Derek McKechnie, Jonathan Pusey. Flintham Mackenzie Financial Services Limited (Company Registered in England & Wales, Number 10482262) trading as Flintham Mackenzie is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority Registered office: 277-279 Chiswick High Road, London W4 4PU.

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