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Financial Planning Services

At Progeny, we go beyond traditional approaches to bring you a fresh perspective across a range of financial planning services.

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Take control of your future with expert financial planning

Over a number of years, Progeny has curated a team of industry experts, to bring you a wealth of specialist advice.

As a independent wealth management firm, with the support of our in-house legal and tax teams, we’re able to provide integrated planning advice that covers the entire breadth of the financial market.

Over 40 years of experience

We work hard to form excellent client relationships, understand their aspirations and give the quality service and bespoke structuring they require to address their complex needs.

Global reach

With offices worldwide, we offer face-to-face services globally. Our extensive network of experts ensures that we are accessible and available to your needs wherever you are.

B-Corp certified

As a B-Corp certified firm, we are proud to join a select group in the UK professional services, committed to high standards of social and environmental impact globally.

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Financial planning services we offer

Progeny’s all-encompassing approach to financial planning helps ensure all your requirements are met by some of the sector’s finest minds. Below are just some of the services we offer.

Alternative Investments

Alternative Investments are financial instruments that offer specific tax benefits to clients.

Expat Pension Advice

Advice to help you make the most of your pension, wherever you are in the world.

Investment Services

We build and adapt the right investment solutions to meet all requirements.

Mortgage Advice

We offer expert independent advice on what might be your most important investment.

Personal & Family Protection

We can help you navigate the topics you may not want to consider.

Philanthropy

If giving back is part of your plan, we can help manage the process.

Retirement Planning

Planning for your future is made easier with Progeny.

Strategic Financial Planning

Bespoke financial planning for your specific needs.

Wealth Succession

Securing your wealth for future generations.

Our Financial Planning Process

First, we get to know you and understand your financial circumstances, your goals, values and aspirations. This helps us explore and narrow down suitable strategies for you.

We also begin the process of assessing your appetite for risk, need for risk and capacity for loss.

Next step: a full audit of your present position to ensure that we have a true and complete understanding of you, your family and your financial affairs.

Lifetime Cashflow Modelling is a vital part of what we do here. We use this tool to see into your future, removing some of the guesswork and allowing you to make informed decisions. It will help to identify whether you are on track to achieve your goals and what you need to earn and save, the level of returns needed and how much risk you can afford to take. It also helps to identify any contingency planning needs for ‘life’s unknowns’.

We create a robust financial plan dealing with your wealth, your investments, tax and contingencies. This will then be shared with you, ready for you to review prior to implementation.

We will carry out in-depth research and analysis to create a robust and thorough Financial Plan, which will incorporate the following areas:

Wealth Structure: How best to structure your wealth to meet your current and future lifestyle goals. This will include a review of your existing money purchase pensions, investments, ISAs and cash deposits.
Investment Strategy: How best to structure your investable assets to manage risk and maximise returns to help increase the likelihood of achieving your goals and aspirations.
Tax Planning: How best to maximise the use of all available Income Tax, Capital Gains Tax and Inheritance Tax allowances with the view of minimising taxes.
Contingency Planning: How best to ensure that your wealth can weather the storm through life’s unfortunate events. We will review all your protection needs. Where there is a requirement to engage the services of a solicitor or accountant, we may introduce you to Progeny Law & Tax Limited.

These elements will then culminate into the creation and delivery of a personalised full financial planning report that includes your strategic plan, together with the rationale and evidence to support the suitability of our advice and recommendations.

Proper financial planning is not a one-off event. Our ongoing advice process ensures that you stay on track and achieve your life goals in an ever-changing world.

This is a dynamic and evolving process to ensure that you meet your goals and aspirations. Your plans will have to adapt to changing conditions and circumstances along the way, and for this reason, people need ongoing advice, counselling and support.

Our ongoing Advice Service is designed to work with you in an open, transparent and collaborative way. We aim to give you a clear picture of your current position and financial progress based on your stated goals and aspirations.

We will issue a comprehensive Review Meeting Report covering our discussions and recommended actions. In this, we will cover:

Utilising available allowances, legislative changes, Income Tax planning, Capital Gains Tax planning and Inheritance Tax planning.

Reappraisal of the ongoing suitability of existing plans.

Any top-ups to existing ISAs, pensions and investments that we may recommend.

Finally, where required, we will liaise with your accountant and/or solicitor.

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Tailored strategies to help you achieve financial freedom

With decades of experience, working with both UK and international clients, our expert team have dealt with a wide variety of complex requirements, with the aim of helping people achieve financial freedom.

We offer an exclusive service to our clients, driven by individual circumstances, putting you at the centre of everything we do.

It begins with a full analysis of your circumstances, aspirations and existing assets, to get the deepest understanding of you and your world.

From there, we can create a bespoke strategy, with tailored recommendations to improve and enhance your portfolio, whilst also suggesting ways to minimise costs.

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Please note:

This communication is not investment advice. The value of investments and income from them is not guaranteed, can fall, and you may get back less than you invested. Your capital is therefore always at risk. Past performance is not a guide to future performance. If you invest in currencies other than your own, fluctuations in currency value will mean that the value of your investment will move independently of the underlying asset.

Tax treatment depends upon individual circumstances and is based on current UK tax legislation, that is subject to change at any time.

Frequently Asked Questions

What is financial planning?

Financial planning involves correctly managing finances, investments and savings for future goals. These goals could involve your retirement, providing for your children or making a large purchase.

How does inheritance tax impact estate planning?

Achieving your estate planning goals and minimising the impact of IHT go hand in hand and involve a range of actions. This starts with writing your all-important Will and also potentially including, trusts, gifts, life assurance and more.

How much is enough for retirement?

A common question when planning for retirement is how much you need to save. The answer is dependent on many things – including your age, desired retirement age, earnings, health, lifestyle and more. In the end, retirement looks different for everyone – you may want to travel, spend time with family and friends or focus on hobbies or pursuits which your working life may not have given you time for.

The most important consideration is to think about how you want your retirement to look, and put in place sensible steps to help ensure your dreams can become reality.

What is retirement planning?

Retiring is a significant life change, especially following a successful career, so planning ahead can help you to consider all the aspects. The earlier you begin the more options you’ll have, so that you can make the most of the freedom which retirement can offer. It’s also helpful to consider tax efficiency as part of any retirement planning.

A multi-specialist approach for the richest outcomes

With Progeny’s unique multi-expert approach that brings together financial planning, tax, legal and asset management advice, we’re able to offer you the most comprehensive view of your financial situation.

That’s why our financial planners work closely with our tax, legal and estate planning experts, to offer clients a seamless and truly holistic service.

Whether you are heading towards retirement, looking to reduce your financial obligations or wanting to ensure your wealth is protected for when you are no longer around, we are available whenever you need support.

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