Varsity provides bespoke, solution driven rather than product led financial planning and advice to a broad range of individual and corporate clients.
Our aim is to deliver financial peace of mind and help clients achieve their lifestyle goals and aspirations without the fear of ever running out of money.
We offer comprehensive initial and ongoing financial planning and implementation services, a highly sophisticated, unique investment proposition and a focus on tax planning.
Combined, this helps you to build a plan which links in personal and corporate objectives, if appropriate, while ensuring that the value we add for our clients exceeds the cost paid for our services.
We believe that the real value of money is in its ability to help you to live your life, providing the means to support the people or causes which matter most to you and perhaps most importantly, delivering the freedom to choose how you live your life.
We see, on a daily basis, how good financial planning can make a positive difference to people’s lives and feel good about what we do because we know that we are helping people to achieve financial independence.
It is also rewarding to know that our work helps to take away any concerns clients may have and replaces these concerns with confidence, bringing clarity where there was confusion.
Going beyond just providing advice on investments, we develop long-term financial plans for clients, making a positive difference to people so that life can be enjoyed.
Our Cash Flow Management service sits at the forefront of our planning process. By plotting the various inflows and outflows over your lifetime, we can provide visibility on how decisions taken today can affect your future.
In essence, Cash Flow modelling provides you with a view of your financial outlook. This can help you make important decisions about your future. For example, whether you can afford that large capital expenditure, whether you can support private education for your children, when to sell a business, when and how to gift assets to your family and crucially how all these might impact on your own financial well-being.
We all have a need for insurance as few of us have all the financial resources we might require in the event of death, accident or illness. It is therefore essential any potential gaps in income are met through sound risk management and insurance Planning.
Wealth needs to be accumulated to generate future capital and Cash Flow. That means structuring a robust and dependable investment portfolio that has a high likelihood of delivering the returns required, yet allows you to sleep comfortably at night.
Our Investment Process begins by understanding the level of risk you need to take to meet your objectives, as well as the level of risk you are comfortable taking. We then:
A key focus of our Financial Plan is to ensure that clients have financial independence so they can retire when they would like to and enjoy the lifestyle they desire.
Attention to tax efficiency can result in reduction of tax liabilities and the freeing-up of cash flows for other purposes. Whilst estate planning can ensure that our hard earned assets are distributed to our loved ones in line with our wishes.
Intergenerational Planning – it often makes sense to consider the possibilities for other members of your family at the same time, or perhaps put arrangements in place for future generations.
A key focus of our Financial Plan is understanding and servicing the core needs of our clients and their families and being there when needed.
Without a will, law, not the client or their family, will dictate to whom assets are passed. We also discuss the use of a Lasting Power of Attorney and help arrange a suitable will or to review any existing arrangements. Consideration is given to creating trusts in relation to pension benefits, life assurance policies, investments and other assets.
This may involve us working closely with your accountant or solicitor, and we are happy to do this. In fact, many of our clients have been referred to us by their professional advisers.
Whatever your financial situation, we can offer a solution and have designed an approach to advice that is flexible enough to meet your changing needs and circumstances.
From early wealth creation to management of assets and ultimately to preserving wealth for retirement and future generations. The milestones of the financial planning process: