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Body Text – for many of our clients, being able to support their children financially and give them a head start in life is one of the greatest pleasures their wealth affords them. However, without sufficient planning, taxation can take a significant bite out of the wealth you have available, both to gift your children and loved ones during your lifetime and for the legacy you have to leave behind.

For example, your cash flow forecast can help provide the answer to questions such as:

Can I afford to retire?

Can I afford care fees should I need to in the future?

Am I sufficiently protected against future financial shocks?

Can I afford to send my child to an independent school?

H2 title example

Body text example – Left aligned – When it comes to passing on your estate after your death, Inheritance Tax should be a major consideration. This highly unpopular tax is currently chargeable at 40% on estates whose value exceeds £325,000. This tax-free threshold (also called the nil-rate band) has been frozen at its current level since April 2009, meaning that inflation is pushing more and more families over the limit.

 

Inheritance Tax is a complicated area of taxation, so it is vital to seek professional financial advice to ensure that you are fully utilising all your allowances, exemptions and tax planning opportunities. At S4 Financial, our clients tend to be high-net-worth individuals whose estates’ value often far exceeds the Inheritance Tax threshold. We place Inheritance Tax planning at the heart of their financial plan, ensuring that as much of their hard-earned wealth as possible passes to their chosen beneficiaries.

H2 title example

Body text example – Left aligned – Cash flow modelling is a scientific approach to financial planning has always been central to our methodology. When it comes to our clients’ wealth, we understand that this data-driven approach offers the certainty and confidence they need to make key decisions about their finances.

 

A cash flow model can help determine the legacy you can afford to leave behind as well as what you can afford to gift during your lifetime, whilst still enjoying your preferred standard of living.

H2 title example

  • Your monthly income
  • Your outgoings
  • What you are currently saving and investing
  • What you are contributing into your pension.
  • Any other assets you may have.

What is cash flow modelling?

H2 title example

Body text example – Left aligned – Cash flow modelling is a scientific approach to financial planning has always been central to our methodology. When it comes to our clients’ wealth, we understand that this data-driven approach offers the certainty and confidence they need to make key decisions about their finances.

 

A cash flow model can help determine the legacy you can afford to leave behind as well as what you can afford to gift during your lifetime, whilst still enjoying your preferred standard of living.

H2 title example

Body text example – Left aligned – Cash flow modelling is a scientific approach to financial planning has always been central to our methodology. When it comes to our clients’ wealth, we understand that this data-driven approach offers the certainty and confidence they need to make key decisions about their finances.

 

A cash flow model can help determine the legacy you can afford to leave behind as well as what you can afford to gift during your lifetime, whilst still enjoying your preferred standard of living.

H2 title example

Body text example – Left aligned – When it comes to passing on your estate after your death, Inheritance Tax should be a major consideration. This highly unpopular tax is currently chargeable at 40% on estates whose value exceeds £325,000. This tax-free threshold (also called the nil-rate band) has been frozen at its current level since April 2009, meaning that inflation is pushing more and more families over the limit.

 

Inheritance Tax is a complicated area of taxation, so it is vital to seek professional financial advice to ensure that you are fully utilising all your allowances, exemptions and tax planning opportunities. At S4 Financial, our clients tend to be high-net-worth individuals whose estates’ value often far exceeds the Inheritance Tax threshold. We place Inheritance Tax planning at the heart of their financial plan, ensuring that as much of their hard-earned wealth as possible passes to their chosen beneficiaries.

H2 title example

Body text example – Left aligned – When it comes to passing on your estate after your death, Inheritance Tax should be a major consideration. This highly unpopular tax is currently chargeable at 40% on estates whose value exceeds £325,000. This tax-free threshold (also called the nil-rate band) has been frozen at its current level since April 2009, meaning that inflation is pushing more and more families over the limit.

 

Inheritance Tax is a complicated area of taxation, so it is vital to seek professional financial advice to ensure that you are fully utilising all your allowances, exemptions and tax planning opportunities. At S4 Financial, our clients tend to be high-net-worth individuals whose estates’ value often far exceeds the Inheritance Tax threshold. We place Inheritance Tax planning at the heart of their financial plan, ensuring that as much of their hard-earned wealth as possible passes to their chosen beneficiaries.

H2 title example

Body text example – Left aligned – When it comes to passing on your estate after your death, Inheritance Tax should be a major consideration. This highly unpopular tax is currently chargeable at 40% on estates whose value exceeds £325,000. This tax-free threshold (also called the nil-rate band) has been frozen at its current level since April 2009, meaning that inflation is pushing more and more families over the limit.

 

Inheritance Tax is a complicated area of taxation, so it is vital to seek professional financial advice to ensure that you are fully utilising all your allowances, exemptions and tax planning opportunities. At S4 Financial, our clients tend to be high-net-worth individuals whose estates’ value often far exceeds the Inheritance Tax threshold. We place Inheritance Tax planning at the heart of their financial plan, ensuring that as much of their hard-earned wealth as possible passes to their chosen beneficiaries.

H2 title example

Body text example – Left aligned – When it comes to passing on your estate after your death, Inheritance Tax should be a major consideration. This highly unpopular tax is currently chargeable at 40% on estates whose value exceeds £325,000. This tax-free threshold (also called the nil-rate band) has been frozen at its current level since April 2009, meaning that inflation is pushing more and more families over the limit.

 

Inheritance Tax is a complicated area of taxation, so it is vital to seek professional financial advice to ensure that you are fully utilising all your allowances, exemptions and tax planning opportunities. At S4 Financial, our clients tend to be high-net-worth individuals whose estates’ value often far exceeds the Inheritance Tax threshold. We place Inheritance Tax planning at the heart of their financial plan, ensuring that as much of their hard-earned wealth as possible passes to their chosen beneficiaries.

H2 title - For example, your cash flow forecast can help provide the answer to questions such as:

  • Your monthly income
  • Your outgoings
  • What you are currently saving and investing
  • What you are contributing into your pension.
  • Any other assets you may have.

Steven Vallery

MANAGING DIRECTOR

Steven is a law graduate, who has over 20 years’ experience in the financial services industry. As a founding Director of S4 it has been Steven’s role to drive the business forward and to develop and adapt the business to meet the ever-changing landscape of the financial services industry.

 

His strong connections with other industry professionals allow him access to the best opportunities for our clients.

Tim McKechnie

INVESTMENT DIRECTOR

Tim has extensive experience of financial planning for High Net Worth Individuals, celebrating 20 years in investment management in 2019. Tim has a hands-on approach to client management and maintains a strong personal relationship with each of his clients and many other S4 clients.

 

Tim provides a strong steering judgment for the company both with business strategy and investment allocation for client portfolios.

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