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Helping you plan for the future and invest based on your personal goals.

We're experienced and specialise in assisting clients who have over £1 million of investible assets.

High net worth individuals with complex financial situations can feel under-served by traditional institutions such as private banks; we are here to solve this issue by providing a complete financial planning and wealth management service.

We also know that everyone's journey is different, that's why throughout our holistic financial planning service, we take the time to understand where you are now and your long-term goals. From creating your tailored cashflow plan then combining expert investment research, we craft your bespoke wealth strategy that's tax efficient, positioned for growth and is aligned with your aspirations.

You'll have continuous support from our dedicated team who know you and understand your personal goals, so you don't have to explain yourself every time you want to discuss a financial matter, and our agile service saves you time and ensures peace of mind that you're on the right track.

Our Services.

Financial Planning

A Holistic approach to making your money work harder for you.

Cashflow Modelling

All our clients benefit from cashflow modelling. We show you different investment and retirement scenarios

Wealth Management

Geared towards the needs of high-net-worth individuals, we ensure your funds are invested in line with your attitude to risk and financial goals whilst helping to minimise your tax liability.

Pensions & Retirement

By forecasting your pension pot, we can help you make an informed decision about when to retire, if you should take your tax-free lump sum, yearly drawdown amounts or secure your income with an annuity.

Inheritance Tax Planning

It's hard to keep up with the current inheritance tax laws. Keeping you informed of changes and how they might affect you and your family is all part of the service - we can assist in minimising inheritance tax.

Later Life & Estate Planning

Knowing your personal affairs will be taken care of in later life provides peace-of-mind for you and your family.

Tax Effeciency & Planning

We can help minimise your tax liability the most efficient way.

Protection Insurance

Plan for the worst and hope for the best. We can advise on a range of protection products, including life insurance, income protection, critical illness insurance and whole of life policies.

Financial Planning - Creating a personalised strategy.

By tapping into our expertise, you can benefit from robust cashflow planning, a service not offered by all private banks. This entails considering your current assets, investments, streams of income and aspirations, we research suitable investment solutions and make unbiased and unrestricted recommendations so you can work towards your financial and personal goals in the most tax efficient way possible.

Wealth management & Investment Advice.

We pride ourselves on offering a comprehensive wealth management service that sets us apart from most other IFAs and private banks and it goes hand-in-hand with our financial planning service; this allows us to build carefully constructed investment strategies based on your specific needs.

Making your accumulated assets work for you is the focus of our wealth management service. Whether that's protecting and preserving what you already have or investing to generate income or growth, rather than being product-led, we'll develop a bespoke investment solution for your individual circumstances.

Why choose Herbert & Webster?

Personalised approach.

With Herbert & Webster you're not just a number, each clients' financial situation and aspirations are unique; we take the time to understand your aims, objectives and priorities, then through cashflow planning, craft your bespoke investment strategy that aligns with your aspirations.

Cashflow planning.

The starting point and our guiding light is cashflow planning. We'll illustrate your current financial situation and review how your investments are performing, then showcase potential future situations by modelling different investment and income scenarios, based on your objective and appetite for risk.

Access to the whole of the market.

As a fully independent and directly authorised chartered firm, we have access to all platforms and investment vehicles; from our unbiased standpoint we can recommend the most appropriate and tax efficient investments with your best interests at heart. Private banks can only recommend their own investment products; this restriction means you could be missing out on more suitable and effective investments. From the largest asset managers in the world such as Blackrock to bespoke asset managers in London.

Guardian.

Is our unique value-added service to get the best results for you. We work with your accountant, solicitor, and mortgage broker to ensure your estate, steams of income and investments are structured in the most tax efficient way. Integrating all aspects of your financial affairs allows us to create a robust financial plan for your future. It's our version of a family office style service.

Ongoing service.

We're with you every step of the way. At our annual review meeting we'll look back at the previous 12 months to analyse performance and returns but more importantly look to the future, ensuring we're on the right track to achieve your financial goals. Of course, we're only ever a phone call away should you like to discuss changes on a more regular basis.

Chartered firm & proven track record.

Only 17% of financial planning firms registered in the UK are Chartered - we're one of them. Plus we are directly authorised by the FCA. Our team looks to create long term relationships; the number of client referrals we receive is testament to this and the outstanding service we prioritise.

Lets have a conversation if...

...you have investable assets of £1 million plus

This can be currently invested or in cash. We'll show you the benefits of selecting the right investments and the tax efficiencies they can provide.

...you value personal service

You'll have continuous support from our dedicated team throughout your journey with us. They know you and your goals, so you don't have to explain yourself every time you want to discuss a financial matter, saving you time. Plus, when required during times of change, we'll have regular catch ups to make sure we're on track.

...you feel under-served by other providers or private banks

Feel like you're not getting the service you deserve from your private bank or financial adviser? Our aim is to deliver top quality proactive financial planning, with swift responses to your questions and become your trusted adviser.

...you want to look after your loved ones

We can offer financial planning and advice to your children and other family members to aid with multi-generational wealth.

Contact us.

An initial chat conversation costs nothing...

Book your free initial conversation to discuss your current financial situation and aspirations to see if we're a good fit for you.

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