If you’re a high net worth individual looking for on-going investment advice and support then you've found the right team in Herbert & Webster.
We’ve identified that individuals with over £1million in assets are being under-served by the leading private banks, such as UBS, Coutts, Barclays Wealth and many more.
It’s our aim to provide a complete financial planning and investment service to high-net-worth individuals, giving you direct access to your personal financial adviser, who, through our holistic financial planning service, can advise on the most tax efficient investments to help you secure and grow your wealth.,
You’ll keep your day to day banking with your current provider, handing over your investment and financial planning interests for us to actively manage on your behalf.
Creating a personalised wealth management strategy...
We pride ourselves on offering a comprehensive wealth management service that sets us apart from most other IFAs and Private Banks. By tapping into our expertise, you can benefit from robust cashflow planning, a service not offered by all private banks. 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.
Why choose Herbert & Webster over the big private investment banks?
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.
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 objectives 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.
To get the best results for you, we work with your accountant and solicitor to ensure your estate, streams 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, which we call Guardian.
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 IFAs in the UK are Chartered and we’re 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 provide.
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.
Value personal service
You’ll have direct access to our specialised team of financial advisers at the start and 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.
Feel under-served by other providers
We can offer financial planning and advice to your children and other family members to aid with multi-generational wealth.
Want to look after your loved ones
Our aim is to deliver exceptional value to clients who deserve top-quality financial planning services.
Our 6 step process to secure your financial future:
We offer an initial meeting FREE of charge. This will usually be at one of our offices or by phone or video call
Getting to Know You
We discover your goals and objectives which is made even simpler with the use of our online Personal Finance Portal (PFP)
Research & Planning
We'll create a detailed cashflow forecast which will help you visualist your financial future.
We will make our recommendations based on your current and future financial situation and life goals
Should you accept our recommendation, we will implement your bespoke financial plan
We will monitor your progress towards achieving your goals and help keep you focused on reaching your objectives.
We’re independent and directly authorised by the FCA, which means we’re not tied to one product provider. We offer unbiased and unrestricted advice based on a comprehensive and objective analysis of your financial situation and the currentmarket.
We’re free from any restrictions that could affect an advisers’ ability to recommend what’s best for you.
Our dynamic and ambitious team are unlike most financial adviser firms you’ll find in the UK.
Unlike a lot of firms, we like to be open and honest about our fees, so below you'll find a clear overview of our charges.
Initial Conversation - FREE
First off, we'll see if we are a good fit for each other, if we are then we'll set up an initial meeting which is also complimentary.
Financial Planning Service Fee - £2,500
Only payable if you do not proceed with our implementation process.
The first £400,000 - 3%
Funds above £400,000 - 0.5%
We charge 3% on the first £400,000 of new assets under management and 0.5% on any additional funds above this amount.
Implementation fee is a minimum of £2,500.
Ongoing Service Fee - 0.5%
Our ongoing service fee is 0.5% of funds under management.
Fees are subject to a minimum of £2,000 per year.
Exit Fees - £0
A question we’re often asked is, ‘Do we charge exit fees?’
The simple answer is ‘No’. We’re so confident that once you start working with us, the benefits of having us by your side means you’ll want to remain a client.
Our client retention rate is testament to this.
Book your FREE initial conversation now...
We believe we offer an exceptional service with an extremely competitive fee structure.
Book your FREE initial consultation and we can share how we can assist you and explain our fee structure.
Call 01494 937400 or complete the form below.