Lump Sum Structures
Investing in your future.
Single premium structures are also important in the financial planning process. Should you have excess funds on deposit and are looking for higher growth opportunities then we feel that too much cash on deposit can be detrimental . Alternatives other than cash are available through structures that will hold single premiums. Horizon Wealth Management offers external Discretionary Management services via UK and Swiss Asset Management companies, this will allow your funds to be managed by experienced fund managers that have a proven track record. Through careful planning and suitability assessments we would provide an investment environment that not only suits your time frame but also your appetite for risk.
EWM Approach
Our tailored approach to securing your financial future
We understand that no two individual’s financial needs are the same. That’s why we begin with an in depth personal consultation with one of our financial planners. We will discuss your current financial situation and your attitudes to risk. Our financial planners will address your unique financial requirements and generate a plan personal to you that considers your requirements at each stage of your life.
Your circumstances may change. Your job may change, your family may grow and you may need to consider education costs. We understand that flexibility is important, that’s why we allocate you a financial planner who you can contact with any questions and queries at any stage of your investment.
Estate Planning
Estate planning concerns effectively managing and allocating your investments throughout your life and beyond. As you build up assets, whether it is property, stocks, cash, heirlooms or other assets, it’s important to think about preserving and protecting them for your family’s future.
It is easy to neglect estate planning, but in most cases there are financial obligations that affect those left behind, such as funeral expenses and estate administration expenses. We can help you plan to ease the financial burden on your family at this stage.
A Will can ensure your wealth is distributed as you want it to be and careful planning can minimise the tax you or your family would have to pay. If you die without making a Will, then your assets may not be distributed according to your wishes. At Horizon Wealth Management we can help you build and protect a range of assets including stocks, pensions and other investments in order to ease any worries that your family may have in the future.
Financial Planning Process
Horizon’s qualified advisors are experts in Financial Planning, Investment Allocation and Risk Management. They are committed to bringing the very best solutions to your specific requirements. The investment world is continually changing. There are always new regulations, new products and new funds. Our wealth advisors ensure that they are up to date with all of these changes so they can provide you with the best possible service.
Horizon Wealth Management is an independent organisation. Because we are not tied to any financial institution, our team can offer you impartial advice on the best solution that fits your requirements.
Retirement Planning
It’s never too early to start saving for your retirement, and conversely if you are worried you are leaving it too late then there is no time like the present to get advice from one of our qualified advisors.
Maybe you plan to spend your retirement on the beach, or perhaps your goal is to achieve financial independence at an early age. Whatever your aims, Horizon Wealth Management can help you.
During an in depth personal consultation we will target your retirement date and analyse your income needs based on your current budget, lifestyle and tax-savings strategies. We advise on a full range of retirement plans to ensure your needs are fully met. As we are a fully independent financial services agency, we are not tied to any financial institution; therefore we can offer you fully impartial advice.
School And University Funding
Good education is the way to give your child the best possible start in life. The cost of education is increasing faster than the general rate of inflation. Of course as your children get older the costs will increase further, so it’s important that you have a strong plan in place.
During a detailed personal consultation with one of our advisors we can help you plan to build up sufficient capital to meet the cost of school or university and any associated living costs and expenses.
