Financial Planning & Advice
Our Financial Planning & Advice Service is a flexible, advice-led service for direct clients. It can be used for a one-off piece of advice, a defined planning project, an ongoing planning and review relationship, or advisory investment recommendations.
Whether you are considering retirement options, reviewing or consolidating pensions, improving tax efficiency, protecting your family’s future, or planning your estate, this service is designed to give you clear, professional advice at the points in life when it matters most.
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Financial Planning Service
Advice first, with clear next steps
This service is designed for clients whose immediate priority is advice, planning, review, implementation support or a specific recommendation. It may be appropriate whether you want a defined piece of work, such as retirement planning, pension or account consolidation, tax-wrapper planning, protection planning or estate planning, or an advisory investment arrangement, or an ongoing advisory relationship without discretionary investment management being the default service model.
Unlike our discretionary services, this service does not involve us acting as your default discretionary investment manager unless a separate discretionary mandate is put in place. Where investment advice forms part of the service, we present our recommendations clearly, with the key costs, risks and considerations set out, and you decide whether and how to proceed.
Why choose Tacit?
Real Relationships. Real Returns.
Preserving and increasing the real value of your wealth over the long-term is our aim.
When it comes to investing, we think in market cycles, not just quarters. We always take a long-term view.
Tacit was founded by seasoned investment professionals who believe that wealth management should be personal, disciplined, and clearly aligned with client outcomes. Our service is grounded in long-term relationships, many spanning generations, and our aim is to be a constant, trusted adviser in a changing world.
How the service works
Advice, Planning and Support at Every Step
Your Tacit adviser will meet with you to understand your goals, circumstances and the scope of advice you are looking for, this initial meeting is free of charge. If you choose to become a client, we then research your options, review any existing arrangements where relevant, and prepare our recommendations.
You will receive a clear, written advice report setting out our conclusions, along with the relevant risks, costs and implementation steps. If you choose to proceed, we support you through the practical steps needed to put the agreed advice in place, and where an ongoing relationship is agreed, we provide continuing planning, review and support.
Areas we advise on
We offer advice in the following areas:
Pension and retirement planning
We help you assess whether you are on track for retirement, review your existing pension arrangements and advise on how best to save or draw income to meet your long-term goals.
Pension and Account Consolidation
We review and rationalise your existing arrangements to simplify your finances and improve efficiency.
Tax-Efficient Saving & Investing
Our advice helps you make effective use of available allowances and tax wrappers as part of your broader financial planning.
Protection Planning
We review your need for life insurance, critical illness cover or income protection, to help secure your family’s future.
Estate Planning
We help you consider how to pass on your wealth efficiently, including ways to reduce potential inheritance tax exposure.
Advisory Investment Arrangements
Where you want professional investment guidance but wish to retain decision-making responsibility, we provide recommendations within our restricted framework and you decide whether and how to proceed.
Who Is This For?
Our Financial Planning & Advice Service may be suitable if you:
- ✔Want financial planning or advice on a specific issue or project
- ✔Want help with retirement planning, pension or account consolidation, tax-wrapper planning, protection planning or estate planning
- ✔Want an advisory investment arrangement, retaining decision-making responsibility
- ✔Want ongoing advice and review without discretionary investment management being the default
- ✔Need a flexible service that can adapt as your circumstances and priorities change
What You Can Expect
- ✔Advice tailored to your individual circumstances, from an FCA-authorised and regulated firm
- ✔A clear recommendation or plan, with costs, risks and tax considerations fully explained
- ✔Implementation support where agreed
- ✔Ongoing review and planning support where an ongoing relationship is put in place
- ✔Charges agreed with you in writing before any work begins
Important Information
The value of investments, and the income from them, may go down as well as up and investors may not get back the amount originally invested. This service operates within Tacit’s restricted advice framework and does not provide independent or whole-of-market advice. The Financial Conduct Authority does not regulate Tax and Estate planning.
Begin your journey
Tell us a bit about yourself and what you are looking for, using the form below. We will get in touch to find out how we can help. If you would prefer to phone, you can reach us on 0203 051 6450.
