Our Services

At Lonsdale Financial Consulting Limited our aim is to ensure that you have the best possible advice when planning your financial future.

Throughout our website you will find a wealth of information on a variety of financial topics and useful tools to help you gain a better understanding of the complexities of personal financial planning.

Investment Consultancy

The Lonsdale Investment Planning Department is dedicated to ensuring that our clients short and long term objectives with regard to wealth creation and preservation are met in a tax efficient and cost effective manner.

Investment planning is not just about investing money and we are mindful of our client’s requirements for tax planning in particular relating to Inheritance Tax, Capital Gains Tax and Trust arrangements. We have considerable expertise in these areas and are also able to call upon specialist services from a number of professional organisations who we have business alliances with.

In many circumstances the most cost effective and appropriate method of achieving risk controlled exposure to stock market linked investment is through ‘collective’ investment funds such as unit trusts and investment bonds. The prices of most funds of this type are quoted in several daily newspapers and in this way it is possible to follow the progress of an investment.

Unit trusts and investment bonds enable individual investors to pool their resources, providing the following advantages when compared to investing directly in Stock Exchange securities.

Full-time professional management on a day-to-day basis can be obtained. However, the investment expertise of fund managers varies considerably and independent advice is essential.

Lonsdale’s Financial Planning Process

All of us have the right to arrange our financial affairs as we wish. In doing so, most of us aim to maximise personal wealth and income security, and minimise exposure to taxation and risk. There are many ways in which these objectives can be achieved. This is reflected in the wide range of financial products and planning opportunities that are available.

The benefits of financial planning both in the short and long term cannot be over-emphasised. However, the key to success lies not simply in selecting a particular product. It requires the formulation of a cohesive strategy which reflects personal circumstances and aspirations. We believe that this is best achieved through a comprehensive and structured approach which embraces four distinct stages:

Stage One—Information Gathering

Information is the foundation of the planning process. For the sake of expedience, we usually request this through the completion of a standard questionnaire. By using a standard questionnaire, no essential element is overlooked, although you may find that not all parts of the questionnaire are relevant to you. You will also find that by completing the questionnaire, you will begin to identify for yourself those aspects of your affairs which are most in need of attention.

Stage Two—Comprehensive Analysis

Based on the factual information provided, we will discuss and establish with you your financial objectives. Sometimes these will be clear but there may need to be a trade-off between the short and longer term, or there may be conflicting priorities. These will need to be evaluated during the course of our discussions with you once requirements and objectives have been clarified.

Stage Three-Planning

We will invite you to consider and comment on the report and, if necessary, we will revise or modify its contents and conclusions accordingly. Our aim is to ensure that you are completely satisfied with the planning proposals that you adopt and that you fully understand them.

Stage Four - Regular Review

Implementation is not the end of the planning process. We will need to ensure that the planning action recommended evolves to take account of changing circumstances. Such changes could arise as a result of personal or family events, or through external influences. We will establish with you an appropriate cycle of review to ensure that your personal financial plan remains relevant. Close liaison and feedback on a regular basis is vital if your objectives are to be met.

Throughout the process, you dictate the pace and the terms of reference. We provide you with access to an independent and objective planning resource. Our role is to guide you through the process and to provide you with all the supporting information and advice you require.