Wealth Management

PPTC’s innovative and sophisticated tax saving and wealth management enables our HNW and UHNW clients to plan their current finances and pass on wealth to future generations while minimising the tax they pay.

Wealth management should provide clients with:

Transparency, openness and no surprises

A bespoke investment solution which closely matches their needs

Tax management for the client and future generations

Evolution of the investment portfolio

What should clients expect as an outcome of wealth management?

Clients should have confidence in us and our ability to achieve the right returns for them, even during poor stock market conditions.

And they should expect the succession of capital from one generation to the next – passing money to their children tax-efficiently.

Advice Service

Our wealth management advice service

By tailoring our focus on savings and investment, retirement planning, tax and estate planning we can help our clients prosper. Advice is in keeping with our understanding of your assets, aspirations and the life you want to lead for yourself and your family’s future.

Our recommendations cover bespoke investment strategies outside of standard managed funds and innovative tax planning approaches.

Investment Service

Making an investment is a long-term strategy for building wealth for the benefit of the investor and for enabling their family to inherit wealth in the future

Investment strategies are tailored to the amount of money you want to invest, your attitude to risk, your tax position and other life circumstances. Based on this key information, we provide access to a range of investment portfolios, designed to generate greater returns, maximise value and spread risk. We deploy our extensive expertise to make any adjustments necessary to protect and enhance client wealth.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Pension & Retirement Planning

Our Pension & Retirement Planning Service

The expectations of retirement for HNW and UHNW individuals are unique among investors. This is why we provide expert planning to ensure long-term wealth protection for individuals along with succession plans that provide for their families after their death, each tailored to their specific life objectives and financial circumstances.

We advise wealthy individuals on approaches such as:

Phased retirement (drawing a portion of your pension while remaining in work)

Alternative investment options such as land and commercial property

Annuities that convert pension savings into regular income during retirement

Pension Fund Withdrawal (flexible drawdown)

Tax-efficient pension contributions

Tax & Estate Planning

Tax & Estate Planning

HNW and UHNW individuals need careful tax planning advice to ensure they access all available allowances and minimise potential liabilities – both during their life and when their estate is assessed for possible Inheritance Tax (IHT) after their death.

Navigating tax regulations and allowances is complex, so we work closely with clients to help them retain the value of their property and investments when their assets are subject to Income Tax, Capital Gains Tax (CGT) and IHT. Strategies for tax planning might include making business structures more tax-efficient, using trusts, handling non-domicile tax issues, etc.

Protecting and ensuring the value of your assets is vital for HNW and UHNW individuals and their ability to pass on their wealth to future generations. Therefore, having a trust in place both protects wealth and minimises taxation; trusts by-pass the probate system and enable a smoother transition of assets than a will.

Combining PPTC’s expertise with our trust lawyer partners means we can create the most effective types of trust to – for example – reduce IHT, protect against creditor claims and protect beneficiaries inheritance from potential future issues such as bankruptcy or divorce.

Tax Planning and Estate Planning is not regulated by the Financial Conduct Authority.