Find out about

Our Financial Planning Process

We provide financial planning services to UK resident investors.

Once we have learnt about you and your family’s current financial situation and gathered some initial information from you, we enter our review cycle.

This is what we do…

1. Assess your needs

We listen to you. 

We have an open and frank conversation about your short and long term financial goals and objectives for you and your family. 

2. Develop a unique, long term strategy for you

We use our experience and knowledge to formulate a financial plan for you. 

We provide a unique set of recommendations, tailored to your individual circumstances, in a clear, written report.  

3. Implement the advice for you

Upon your acceptance of our recommendations, we help you to implement our advice.  

4. Evaluate, review, repeat...

We monitor your portfolio and situation on an ongoing basis, reviewing the progress against achieving your financial goals. 

We repeat this review cycle every year, or more often as required.

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About Us

Asperand Wealth is a financial planning company, offering independent, whole-of-market financial advice to its clients. 

OUR HISTORY

Relaunched as Asperand Wealth in February 2019 under new ownership, our business strives to continue to provide top quality, independent financial advice by qualified and experienced advisers. 

Our owner and Director, Guy Diprose, has worked in businesses providing independent financial advice since 2007.  He qualified as an adviser and became a Chartered Financial Planner in 2012. 

Guy has a rich history of financial planning, having worked as both a client facing adviser and in senior operational roles.  He is individually authorised by the Financial Conduct Authority (reference number GCD01040) and a copy of his Statement of Professional Standing is here. 

OUR MISSION

Our mission is to show that top quality, independent financial advice needn’t just be accessible to those with considerable wealth. We believe that the total cost of investing (comprising fees for advice, financial products, investments and transactional charges) should be clear and affordable to those with even a relatively modest portfolio value.

Our focus on finding value for our clients leads us to low cost, modern investment solutions, with clearly defined risks.

We aim to provide our clients with a deep understanding of their own financial future and demystify any areas that they do not understand. Our ultimate goal is to educate our clients so they can review a one page summary and have peace of mind that their financial future is on track with their own financial aspirations.

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Our Areas of Work

When looking at your financial situation, we consider a wide range of areas of personal financial planning.

Each client’s circumstances will be different, however we can help you to…

1. Grow your wealth

We provide advice on how you can grow your wealth in a tax efficient way to meet your financial goals and objectives.   We consider your investment time horizon (assessing how long you have until you need to encash your portfolio) and attitude to investment risk in order to recommend a mix of products and investments that we believe will help you to achieve your goals. 

 

Where appropriate, we recommend clients use mainstream financial products like personal pensions and ISAs in the first instance rather than complex financial structures.

2. Protect your wealth

We know that protecting capital is extremely important to our clients.  We therefore consider a wide number of risks when providing financial advice to clients, looking to reduce these risks as far as possible as part of our recommended solution.

We also consider the impact on your accumulated wealth in the event you cannot work or upon your early death, and may recommend insurance to protect your wealth against these unfortunate events.

3. Live off your wealth

Our long term planning revolves around your expenditure and the eventual need for you to encash your assets, whether that be to fund your child’s education in the short to medium term, or to live off your wealth in retirement in the longer term. 

Drawing down from your portfolio in a tax efficient way can make a big impact to the sustainability of your retirement fund.  Therefore we use advanced cashflow modelling forecasts to show how you could supplement your guaranteed income streams later in life and hopefully meet your aspirational standard of living.

4. Pass on your wealth

As it is near impossible to determine your date of death in advance, many investors choose to take a cautious approach and die still owning assets rather than running out of money in their lifetimes.

 

We help to assess the impact of any inheritance tax charges that would likely be due on your estate and can provide advice to help you pass on your wealth more efficiently, whether that be protecting against the inheritance tax liability, or reducing the liability in the first place, depending on your objectives. 

Review

Our Fees

We believe in transparency of charges. That is why we are happy to publish the costs of our services to you below.

We understand that any new client we take on has to build trust in us and our recommended solutions; likewise our zero up-front charging structure shows the steps we take initially to invest in our clients with the hope of building a productive, long term relationship.

£ 0
No initial adviser charge for our services
£ 0
No implementation charge
0.48 %
Maximum ongoing annual adviser charge (when expressed as a percentage of assets under advice)
£ 0
No charge to terminate our relationship
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RISK WARNING:  The value of your investments can go down as well as up, so you could get back less than you invested.

We are currently taking on new clients

If you are interested in learning more about our service, please contact us for an initial consultation.  You can book an appointment online using the 10to8 tool, or reach us by post, phone or email.  These consultations are held by telephone / video call and as stated above, we do not charge for our initial services.

Once we have had an initial consultation, if both you decide that you may like to proceed with Asperand Wealth as your financial adviser, and we determine that your financial situation is suitable for our service, we can arrange a further session to progress matters.  There is no obligation to proceed at any point.



Our contact details

7 Bell Yard
London
WC2A 2JR
0207 112 8407
ask@asperandwealth.co.uk
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