The value of advice

EQ provides impartial advice, based on a comprehensive and unbiased analysis of the market,delivered face to face to clients.

At EQ we think financial planning is all about:

  • Understanding your goals, objectives and priorities
  • Working out whether your financial provisions will help you get there
  • Putting a plan in place and reviewing it regularly

These are some of the questions that we can help you think through:

  • Are you saving enough to meet your objectives?
  • Is your portfolio compatible with your risk profile?
  • Are you making full advantage of tax free allowances?
  • Is your family adequately protected?

Lifecycle planning

Change is the only constant in life, so your financial plans need to evolve and change with you.

As advisers our job is first and foremost to listen, to understand where you want to go, and then to help you implement a plan that starts from where you are now.

lifecycle planning

The EQ planning process

planning process

Step 1 – Initial meeting

One of our advisers will arrange to meet you at your convenience to introduce EQ, our approach and company ethos. We take this opportunity to understand your overall circumstances and financial objectives. This also serves to provide a ‘taste’ of what it is like to work with EQ and whether the company is right for you. This initial consultation is free of charge.

Step 2 – Fact-find

Your adviser will then arrange a follow-up meeting to complete a detailed fact finding process. This covers both the ‘hard facts’ about your current financial arrangements, and also the relevant ‘soft facts’ concerning your personal circumstances, preferences and needs. The fact find allows us to establish the following:

  • Your attitude to risk
  • Your capacity for loss
  • Your need to take risk
  • Your personal preferences

Step 3 – Financial planning

We develop a plan based on the fact find and your individual objectives. This covers:

  • Your current financial situation, including cash flow modelling
  • Recommended solutions and strategies

Step 4 – Implementation

Once the plan is complete, your adviser will take you through their recommended course of action. This can involve the following:

  • A new investment strategy
  • Consolidated pensions and other investment plans
  • Additional life assurance or other protection

Step 5 – Review

Financial planning at EQ is an on-going process that requires continuous monitoring. Review of the actions recommended in the plan takes place regularly, and the objectives are reviewed annually to take account of changes in income, asset values, business or family circumstances.

Areas where we can help

EQ can provide specific expertise on a wide range of subjects, including:


Tax planning for investments

The true value of your investment portfolio is significantly affected by the rate at which it is taxed when you wish to realise gains or use it to deliver an income. Your EQ consultant will plan ahead to mitigate the tax liability across your savings and investments.


Inheritance Tax planning

Using tax and trust planning our financial planners can help mitigate the threat of Inheritance Tax on your estate and safeguard the wealth you wish to pass on to your dependants.


Pension contributions and retirement planning

Your retirement income may largely depend on the amount you put into your pension, but how much should you be contributing? Our financial planners will guide you through the complex maze of pension legislation to calculate the right amount for you.


Protection for you and your family

Having worked to build up your personal wealth, it is wise to put some form of protection in place for your dependants and yourself. We can assess what insurance cover you may need and what you don’t.


Working with your accountant or solicitor

We are experienced at working with other professionals who you might employ, in helping them implement tax and trust-based plans.



Our service aims to take the burden of financial planning from your shoulders. At the same time we are committed to keeping you fully informed. You will therefore receive regular updates on important issues that may impact your wealth.

The EQ approach to investment

Many of the solutions that we use to help you achieve your objectives involve investments. Alongside financial planning, EQ offers range of investment management services. We believe that no one person can be an expert in all areas: to achieve success it is important to be surrounded by a team who work well together. This is especially true for investing where there are many factors to consider.

These could include:

  • Where should I invest?
  • What types of asset should I use?
  • What are the best funds to invest in?
  • What might happen next?
  • Is the cost justified?

To help you achieve your investment goals we have put together a dedicated team of professional investment managers. They work closely with our financial advisers and can take an unbiased, independent view of the markets for you.

As investment managers we actively manage investment portfolios on behalf of many of our clients. In doing this our top priority is to maximise the returns on your portfolio whilst staying within the risk tolerance that suits you. Your adviser will be able to recommend whether these services are suitable for you.

Central pillars of our approach

  • Our investment process draws on extensive independent research carried out by our own highly skilled team of analysts.
  • All our investment portfolios are widely diversified both geographically and across asset types; in addition to Equities, Fixed Interest Bonds and Property we also consider the full range of Alternatives and Commodities.
  • Attempting to time the market is usually futile – we take a long term view based on an assessment of fundamental value.
  • We invest in funds, not single stocks – working with specialist fund managers allows us to invest globally and tax efficiently.

EQ is an award-winning boutique wealth manager acting for private clients, small companies and charities all around the UK.

At EQ we think financial planning is all about:

  • Understanding your goals, objectives and priorities
  • Working out whether your financial provisions will help you get there
  • Putting a plan in place and reviewing it regularly
  • Advising clients on how and where to invest is at the heart of what we do.

I have a question...

We're here to help. Quickly get to the answer you need by speaking to an EQ financial adviser now: Call 020 7488 7171 Mon-Fri, 8:30am-5:30pm