ABOUT.

Delivering financial peace of mind, contentment & certainty to your financial life

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.

TO MAKE A POSITIVE DIFFERENCE TO LIVES OF THE CLIENTS WE WORK WITH

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.

WHAT.

WE PROVIDE A PROACTIVE, INDEPENDENT AND IMPARTIAL FINANCIAL PLANNING AND ADVICE SERVICE THAT IS FREE FROM ANY RESTRICTIONS.

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.

Personal Cash Flow Management

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.

Family Protection

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.

Investment 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:

  • Diversify at all levels and manage the negative effects of inflation
  • Where suitable, drive down costs of all kinds on your behalf
  • Focus on the mix of investments to be held in your portfolio
  • Work with you to take the emotions out of investing
  • Monitor, review and rebalance to ensure you remain on track

Retirement Planning

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.

Tax and Estate Planning

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.

Ongoing Management

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.

Lasting Power of Attorney Wills and Trusts

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.

OUR ADVICE IS ALWAYS CONSIDERED FROM A TAX PERSPECTIVE FIRST. IF WE CAN SAVE YOU TAX, THEN THIS IS AN IMMEDIATE RETURN ON YOUR CAPITAL

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:

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The Initial Consultation
  • The Initial Consultation typically lasts no more than two hours.
  • We will discuss both your financial and personal goals as well as corporate goals, if appropriate.
  • We confirm your current financial data and circumstances.
  • We will discuss investment risk, your capacity for loss and timescale of investment.
  • Once we are clear about your circumstances, we are then in a position to confirm how we might help.
  • We will obtain formal authority from you so that we can analyse and monitor any existing financial plans and policies you currently have.
  • You will be pleased to know that there is no cost at this stage.
Pre Initial Consultation Pack
  • You will receive a Preparation Pack before our Initial Consultation.
  • This pack will include your Initial Consultation Agenda, various documents for your attention and confirmation of documents required for the meeting.
  • To ensure you receive the maximum benefit from this meeting, we ask that you have the information readily available.
Financial Planning Report Creation
  • We will liaise with the relevant investment and insurance companies as well as your professional advisers, such as solicitors and accountants, to obtain all the necessary information relating to your existing situation.
  • We complete our research to establish the most suitable solution for you moving forward.
  • We then create your Personal Financial Planning report which will include any relevant recommendations.
Financial Planning Meeting
  • We provide you with your Financial Plan, outlining the information gathered at the Initial Consultation.
  • We look at Contingency Planning.
  • We produce a current and future Cash Flow model.
  • We discuss recommendations for ways to move forward.
  • We will ensure you fully understand why the solutions we propose are being recommended.
Decision Time
  • Together, we decide in what order you wish to address your priorities.
  • Your time frame for the implementation of the recommendations is discussed and agreed.
  • We inform you of all applicable fees before proceeding.
  • All documentation completed.
Implementation
  • Provider contact to ensure speedy processing of documentation.
  • Handling enquiries from Investment and insurance companies as well as your other professional advisers, such as solicitors and accountants if any legal or accountancy work is required.
  • Chasing reports from GP Practices in case of any insurance underwriting requirements.
  • A Suitability Report for each agreed recommendation is compiled and sent to you to confirm the suitability of our advice.
Ongoing Management and Review
  • Annual face to face meeting with additional review meetings as and when required.
  • Clarify your Investment Risk Profile and review your investment portfolio to ensure that this remains appropriate and continues to perform in line with expectations.
  • Review your income and expenditure using your specific Cash Flow model.
  • Together, we revisit earlier discussions about your goals for the future and current situation so that we can update your Financial Plan to reflect any changes to ensure everything is on track.

TALK.

WE LIKE TO MEET POTENTIAL CLIENTS INFORMALLY, USUALLY OVER COFFEE, TO GET TO KNOW THEM BETTER AND TO EXPLORE HOW WE MIGHT BE ABLE TO ASSIST

To arrange a meeting or to simply find out more about what we do, please get in touch. You can call us, complete the form below or email.

Varsity Independent Financial Planning Ltd.
Riverside Innovation Centre
Castle Drive
Chester
CH1 1SL