Accountants

At Cave & Sons we have been providing investment management and financial planning services to both local and national firms of accountants for many years, and we have the experience to handle even the most complex of cases.

Such firms are happy to recommend their clients to us as they know that such referrals will be handled professionally and without the ‘hard sell’ often associated with larger investment houses. Investment portfolios for private individuals, companies, SIPP & SSAS pension arrangements together with Trusts and Charities are constructed on an individually tailored basis, again an increasing rarity in a world dominated by large investment banks pushing their own ‘in-house’ products.

“Our aim is to build a bespoke solution that is tailored to your client’s specific requirements.”

We recognise that building a strong working relationship with you is the key to providing you with an excellent service and this is mirrored in the way we will approach your client. Our aim is to build a bespoke solution that is tailored to your client’s specific requirements, whether it is in relation to their personal investments or their Company’s financial and investment needs.

Corporate financial planning is one of the most important elements of starting up, running maintaining and selling a profitable business. We can assist you with a range of services to help companies, partnerships and sole traders develop and succeed, by making them more financially secure.

“Client referrals will be handled professionally and without the ‘hard sell’ often associated with larger investment houses.”

This first step in Corporate Financial Planning is for us to ascertain from you and your client what their business plans are. From this we can then work together and begin to formalise specific recommendations to meet your clients’ investment, protection or pension needs. The service we offer can be tailored to all or any category of staff within the business.

We also have significant experience in advising Trustees on Trust Fund and Charity Investments, and can assist your clients to meet the obligations laid down in the Trustee Investment Act 2000 in relation to Trust Investments.

The range of services that we can provide to your clients includes:-

Corporate and Employer Services

Our Corporate Services division provides independent advice to individuals, sole traders, partnerships and companies of all sizes and sectors. We can help you develop the best possible solutions for your clients. Services include; bespoke investment management, SIPP & SSAS Investments management, income protection, director share purchase insurance, key man protection, partnership protection, succession planning and employee benefits such as death in service and pension arrangements. In addition we can also provide recommendations for Permanent Health Insurance, Critical Illness Cover and additional death cover which does not impact on the current pension contribution allowance but can be very tax effective, both in the form of income tax, national insurance and corporation tax together with inheritance tax.

Trust Advice and Management

Investment portfolio construction, balancing the interests of different classes of trust beneficiaries. Probate Valuation service including, obtaining indemnities, transfer or sale of stocks, and fulfilling the Trustee Act 2000 Obligations to mention just a few.

Advice for High Net Worth Clients

Bespoke investment management including if appropriate, pension planning, fully impartial advice from an independent financial advisor, lifestyle financial planning, preservation of wealth, long term care planning, school fees planning, protection planning.

“Our Corporate Services division provides independent advice to individuals, sole traders, partnerships and companies of all sizes and sectors.”

Advice for Elderly Clients

Individually tailored advice to meet the clients individual needs and objectives which includes, investment planning, wealth preservation, long term care financial planning, Trust investments, impaired life annuities, nominee service and investment management together with financial planning advice for deputies and trustees.

In addition to the above services our advisors and investment managers are always on hand to attend joint meetings with you and your clients when required. We also ensure that you are kept fully informed about any work undertaken on behalf of your client. If the individual clients hold investments with us we will also provide you with regular updates of the investment performance as required, copying you in on valuations sent to the client and, where it has been agreed with the client, providing you with on-line access to view their investments.