Building Wealth
For Every Stage
At Invicta Financial Planning, we’re here to help you create a financial plan that aligns with your hopes and dreams for your family, business and future. Whether you need independent financial advice, specialist investment, or pension advice, we take the time to understand your needs and find the most effective solutions for you. Our experienced advisers assist clients at every stage of life, addressing a wide range of financial concerns. There is no such thing as a typical ‘client’!
Helping clients navigate financial situations and concerns
Is this you ...?
"I am not sure if I’ll achieve my goals"
We cover every aspect of your financial journey - whether your aspiration is to be debt-free, buy your dream home, provide your children with a private education or enjoy the retirement you desire, with careful planning will help you realise your ambitions.
"I am managing my own investment and want to ensure this is going to help me achieve the future I desire"
Whether you're new to investing and taking a cautious approach, or a seasoned investor ready to explore more opportunities, we'll work closely with you to design a personalised portfolio that aligns with your unique financial goals and supports your long-term vision.
“I am concerned that I may be taking too much risk with my investments”
While investing always involves some degree of risk, your adviser will help you define your risk comfort level and devise a strategy that provides peace of mind.
“I am not sure whether I am making the most of my tax allowances - could I be investing more tax efficiently”
Tax can be complicated and as your investments grow, it can become even more challenging to navigate. We’ll provide you with informative reports and planning strategies to make the most of your financial position.
Where do we come in?
We'll work closely with you to fully understand your vision for the future, helping you clarify your goals and then guide you in making the right financial decisions to bring that vision to life, with a clear focus on what truly matters to you in the long term.
Once your financial and life goals are clearly defined, our advisers will help you build a strong foundation and establish solid financial habits to support long-term success.
We'll create a personalised plan that prepares you for both the challenges and opportunities ahead.
We’ll guide you on how to save and invest in line with your goals, while also helping you make the most of available tax allowances on an ongoing basis.
Services and areas of advice that we provide
We offer expert advice across a variety of investments, pensions and cash flow planning services to help you build your wealth:
Individual Savings Accounts (ISAs)
Tax-efficient savings options, including Cash ISAs, Lifetime ISAs and Stocks and Shares ISAs.
Pensions:
Including personal pensions, workplace pensions, and Self-Invested Personal Pensions (SIPPs), to ensure you have the right retirement income.
Portfolio and Wealth Management
Portfolio management services, tailored to your risk tolerance, financial objectives, and investment preferences, ensuring a balanced and diversified portfolio to meet your long-term financial goals.
Cash Flow Planning
Helping you manage your income, expenses, and savings to ensure a balanced and sustainable financial future, with a focus on meeting short-term and long-term financial goals.
Education Funding
Effective planning for rising school and university fees with tax-efficient saving strategies.
Tax-Specialist Investments:
Providing advice on tax-efficient investment options such as Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS), which offer significant tax reliefs to help you minimise tax exposure while investing in start-up businesses.
AIM Portfolio Services
Investment strategies focused on stocks listed on the Alternative Investment Market (AIM) for growth and tax benefits.
The value of investments can go down as well as up and you may get back less than the amount invested
Our Process - What to Expect?
Our financial planning initial advice process comprises of the following steps and services:
Step 1: Initial Information & Investigation
Establish the relationship between us and agree on your engagement preferences along with the advice, services, and costs of our services.
Find out about you, your circumstances, expectations, goals, needs and objectives – and how these should be prioritised. We will consider any concerns you may have about your life-long aims, financial position, or financial ‘well-being’ and any potential vulnerabilities.
Where you are considering investing, define your attitude to risk and need to take risk along with your capacity for loss and investment preferences and knowledge.
Step 2: Research, Reporting & Recommendation
Analyse and evaluate your financial position, including whether your existing arrangements or provisions are adequate to meet the financial needs and objectives that, between us, we have agreed as priorities.
Develop our advice and recommendations, for the financial plan, solution(s) or strategy that we have researched and defined as being the most suitable to meet your needs, objectives and preferences.
Report on any identified provision shortfall(s) or other financial needs that we believe you should consider.
Present our advice and recommendations to you.
Step 3: Solution Instigating & Implementation
Implement the financial plan or strategy that we have recommended, or assist with alternative actions.
Deal with all administrative matters related to the application of the financial plan or strategy.
Keep you duly informed throughout the implementation process.
Ensure your arrangements are set up correctly and in accordance with your requirements.
Step 4: Ongoing Advice Service & Re-assess Suitability
Monitor, report on, review, and continue to provide ongoing advice.
Re-assess the suitability of the advice provided.
Maintain the relationship between us, and accommodate your engagement preferences and requirements, as well as providing administrative support.
Be available to deal with any concerns, matters or needs that arise, should your circumstances, objectives, or priorities change.
