Wealth Management

Wealth Management

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

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

VCT, EIS, BPR & AIM invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.


Bespoke Holistic Wealth Management Advisory Service

Pensionlite’s Wealth Management service provides a client centred holistic approach to financial planning for high net worth individuals, and those with complex or particular planning requirements.

As a Chartered Firm our Chartered Wealth Management Advisors are qualified to the highest level and are able to provide you with a high level of expertise in delivering sophisticated solutions to meet your needs.

We appreciate that every client has individual needs and particular circumstances and a bespoke approach to advice is therefore deployed.

Some of the main areas of Wealth Management planning that we advise on are:


  • Discretionary Investment Management
  • General Investment Accounts
  • ISAs including Bed & ISA
  • Investment Bonds
  • Specialist Tax Planning – VCT, EIS, BPR, AIMs Portfolio
  • Sustainable Investing (SI)
  • Capital Gains Tax Planning


  • Defined Benefit Pension Advice and Transfers
  • Defined Contribution Advice and Transfers
  • SIPPs and SSAS
  • Pension Allowance Advice – LTA, AA, MPAA, Tapered AA, Carry Forward, Pension Protection High-Level Retirement Income Strategies supported by Cashflow Analysis

Inheritance Tax Planning:

  • Estate and Trust Planning
  • Estate Creation
  • Estate Protection
  • Intergenerational Planning and Gifting Regime Management


  • Life Assurance
  • Critical Illness Insurance
  • Private Medical Insurance
  • Income Protection Insurance
  • Business Protection

Call today for an initial Wealth Management consultation. One of our team will be pleased to discuss your requirements to establish how we may best assist you.

We build long term relationships with our clients and we look forward to being of service to you and your family.