Just as precious eggs need protecting in a nest, our holistic financial planning strategies protect and preserve your wealth portfolio for long-term prosperity and security.

Beyond the conventional nest

Most often, a nest egg concentrates on the accumulation of wealth; however, those with substantial pots – including high-net-worth individuals and sophisticated investors – can face more complex decisions.

These could include tax efficiency, wealth preservation against inflation, portfolio optimisation and intergenerational transfers.

Your wealth management strategy could include several different areas such as trusts or Venture Capital Trusts (VCTs), as well as Individual Savings Accounts (ISAs) and your pension.

With such high stakes, you need to keep on top of your investments to ensure your wealth continues to prosper.

Creating the right investment portfolio for you

Working out what the right portfolio is for you and your family can be difficult to begin with, but it’s vital to look at the ‘why’ before we explore the ‘how’.

Why are you looking to preserve your wealth? This could be anything from taking early retirement and travelling the world to ensuring your family is looked after once you’ve passed.

Knowing your `why` will help you plan your ‘how’.

Geographic investment diversification

While there are attractive investment opportunities within the UK, there are benefits at looking further afield.

The current economic landscape is presenting both opportunities and challenges, with some countries seeing their economies fluctuating significantly.

Therefore, it’s worth looking at structures that could optimise your exposure to international investments while remaining tax efficient.

Tax-efficient structures

The UK has long seen a continuously evolving landscape and it’s essential that strategic tax planning is included in your wealth management strategy.

Look at your existing arrangements to see if there are any other vehicles that could complement them. This could include:

• Investment bonds
• Collectives
• Family Investment Companies (FIC)
• Venture Capital Trusts (VCTs)

Legacy planning

Many wealth management strategies include planning for passing wealth through the generations. Effective succession planning goes far beyond basic inheritance considerations, and you should be looking at how you can best serve your family in the most tax-efficient way – well-structured trusts or making charitable donations can play their part here.

With any sums of money, especially larger sums, you should always talk to your financial adviser about the best way to preserve your wealth and your legacy.

Strategic pension optimisation

Depending on your stage of life, your pension is either in its early stages or you’ve already built up a good nest egg. Starting early is always a good idea and pension structures can offer advantages that you should be maximising.

With the removal of the Lifetime Allowance in April 2024 and introduction of the Lump Sum Allowance and the Lump Sum and Death Benefit Allowance, you may need to take another look at your retirement plans. For those approaching or in retirement, having a sophisticated drawdown strategy is essential.

You may have more than one pension, in which case it could be worth consolidating them. There are many reasons why you should – and many why you shouldn’t – so always take professional advice.

Securing financial safety for the future

You may already have a financial adviser in place but if not, you should be speaking to somebody and finding out what they could do for you.

At Mattioli Woods, we offer a complimentary consultation with one of our dedicated wealth management consultants, which you can book here.

Tax regulations, market conditions, pension rules and even your personal finances continue to change, so regular reviews of your wealth management strategy are vital if you want to maintain control over where your money is.

Our consultants provide annual reviews to ensure your financial nest egg continues to grow, providing security and opportunities for you, your loved ones and your legacy.

All content correct at time of writing (April 2025).