Financial Planning

Absolutely. Inheritance tax planning is one of our core areas of expertise. Many families pay more inheritance tax than necessary simply because they have not taken the time to plan ahead.

We can help you explore a range of strategies — from making use of annual gifting allowances and trusts, to tax-efficient investment structures and life insurance solutions — all tailored to your specific family circumstances and goals. The earlier you start planning, the more options are available to you.

We believe in complete transparency when it comes to fees. Our charges are percentage-based, calculated on the value of the assets we manage on your behalf. There are no hidden charges, exit penalties, or unexpected costs.

We will explain our fee structure clearly during our initial meeting, so you know exactly what to expect before making any commitment. We are always happy to answer questions about how our fees compare to the wider market.

We typically work with clients who have investable assets of £150,000 or more, though this is a guideline rather than a strict threshold. We recognise that everyone’s circumstances are different, and we are happy to discuss your situation regardless of portfolio size.

We offer a no-obligation initial consultation at no cost, so you can explore whether our services are right for you without any financial commitment.

At a minimum, we conduct a comprehensive annual review to ensure your financial plan remains aligned with your goals and reflects any changes in your circumstances, the markets, or tax legislation.

Between formal reviews, we continuously monitor your portfolio and will contact you proactively if we believe any adjustments are needed. We also operate an open-door policy — you are welcome to get in touch at any time if your circumstances change or you simply have a question.

Your assets are held with FCA-regulated custodian platforms, meaning your investments are ring-fenced and held separately from our business. In the unlikely event that anything were to happen to Seren Wealth, your money would remain protected and accessible.

Additionally, eligible investments are covered by the Financial Services Compensation Scheme (FSCS), which provides protection of up to £85,000 per person, per institution.

A Chartered Wealth Manager provides holistic financial advice that goes beyond simple investment management. We take the time to understand your complete financial picture — your goals, family circumstances, risk tolerance, and aspirations — before building a personalised strategy.

The Chartered designation, awarded by the Chartered Institute for Securities & Investment (CISI), represents the gold standard in wealth management. It requires rigorous examinations, adherence to a strict code of conduct, and ongoing professional development to ensure clients receive the highest quality of advice.

Financial planning is about creating a roadmap for your financial future. It involves setting goals, analysing your current position, and developing a plan to bridge the gap — covering areas such as retirement planning, tax efficiency, and protection.

Wealth management is a broader, more integrated service that encompasses financial planning alongside investment management, tax planning, estate planning, and ongoing advice. At Seren Wealth, we bring these disciplines together so that every aspect of your financial life works in harmony.

Your first meeting is an informal, two-way conversation with no obligation. It is as much about you getting to know us as it is about us understanding your financial situation.

We will ask about your goals, concerns, and what matters most to you. You are welcome to ask us anything — about our approach, qualifications, or how we have helped clients in similar situations. There is no pressure and no hard sell. If we both feel there is a good fit, we will outline the next steps together.