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We recognise a financial decision rarely exists in isolation, which is why we have built a proposition that has your financial plan at the centre, alongside the most common financial planning services, and a suite of additional services that complements what we do.
We also know financial decisions can impact the whole family, this is why we build financial plans with the whole family in mind. Our family linking approach enables us to view all of your family assets in one place and recommend a holistic approach that draws on the most relevant parts of our service.
What you receive as a Wren Sterling Client
If you are a client who receives our Ongoing Advice Service, you gain access to our experienced Financial Planners and Mortgage Advisers, and carefully selected specialist partners who support our clients in areas we’re not licensed to advise in.
This includes:
- Cash management and enhanced savings solutions
- Tax planning and accountancy
- Legal services, trusts and inheritance tax planning
- Residential, commercial and business lending
- Equity release and specialist mortgage solutions
- Relationship-first banking solutions
- Protection and life insurance planning
- Specialist insurance solutions
- Personalised banking and foreign exchange services
- Trust administration and trustee banking solutions
- Tax-efficient investments, including VCT and EIS opportunities
Your Financial Planner can coordinate and introduce these services as part of your wider financial plan, ensuring every aspect of your wealth, family and business interests work together to help you achieve your goals.
Depending on your Service Level, some of these services may be covered by your Ongoing Advice Charge, while others may be at additional cost. Any costs will be fully disclosed to you prior to any work taking place.
How it works
As an example, many of our clients are business owners or company directors, which means they also require additional tax and accountancy support, as well as business insurance, business banking and lending.
Yet, without a joined-up approach, these clients could find themselves working with multiple advisers, providers and professionals, all working independently of one another.
Our proposition simplifies this and gives you access to the expertise you need throughout your financial journey, whilst maintaining a single trusted relationship with your Wren Sterling Financial Planner.
Your Financial Planner understands your circumstances, goals and wider financial position, helping ensure that important decisions are considered in the context of your overall plan rather than in isolation.
We’ve brought all of this together, through a combination of in-house expertise and carefully selected specialist partners. Our Financial Planners can coordinate and introduce you to our experienced partners, who cover:
- Investment management
- Mortgages and lending
- Tax planning and accountancy support
- Estate and inheritance planning
- Protection and insurance
- Cash management and banking solutions
- Trust services
- Specialist investment opportunities
We often support you by attending joint meetings with our partners to ensure the recommended solutions align to your plan.
How we support our clients with more complex affairs
As wealth grows, financial affairs often become more complex.
Some individuals and families may require support across multiple areas, including business interests, property ownership, succession planning, trusts, tax-efficient investments, specialist lending and bespoke insurance arrangements.
We introduce clients to truly specialist practitioners who understand the unique challenges and opportunities of managing wealth, while you retain a consistent point of contact who understands the complete picture – your Wren Sterling Financial Planner.
Some of our specialist solutions include:
- Venture Capital Trusts (VCTs)
- Enterprise Investment Schemes (EIS)
- Business Relief investments
- Alternative investment strategies
- Tax-efficient investment opportunities
- Advanced family tax planning structures
The Financial Conduct Authority does not regulate Tax Advice, Inheritance Tax Planning, Wills, Trusts and Estate Planning.
Cash Management and Enhanced Savings Solutions
Through trusted specialist partners, clients can access:
- Enhanced savings rates
- Hold Cash deposit on their preferred platform
- Multi-bank cash solutions, maximising the best interest rates
- Cash diversification across multiple banking institutions
Estate Planning and Legal Services
Preserving wealth for future generations often requires specialist legal expertise.
Through our network of trusted legal professionals, clients can access support with:
- Wills
- Lasting Powers of Attorney
- Estate administration
- Probate (this will be via a new partnership)
- Trust creation and management
- Family wealth planning
- Inheritance Tax mitigation strategies
- Business succession planning
Tax Planning and Accountancy Expertise
We work with accountants to share your financial position, share your up-to-date position to help with completing your tax returns.
We’ve secured discounts with tax experts who can assist with:
- Personal tax planning
- Business tax planning
- Capital Gains Tax planning
- Corporate structures
- Tax return support or completion
Trust and Trustee Services
Trustees face increasing responsibilities and regulatory obligations.
Clients can access specialist support including:
- Trust administration solutions
- Trustee bank accounts
- Cash management for trusts
- Trust investment strategies
Protection and Insurance Planning
We help clients assess and implement:
- Life insurance
- Critical illness cover
- Income protection
- Family protection planning
- Business protection
- Key person cover
- Shareholder protection
- Relevant life policies
Specialist Insurance Through Leading Providers
Some clients require highly specialised insurance solutions that go beyond standard personal protection.
Through our relationship with leading global insurance specialists, including Aon, clients can access:
- High-value home insurance
- Fine art and collections insurance
- Specialist property cover
- Business insurance
- Complex personal and commercial insurance solutions
Banking and Foreign Exchange Services
Our clients can access a personalised banking service in Partnership with Metro Bank and enhance currency exchange rates through Torfx, including:
- Personalised banking services
- Dedicated relationship management
- Foreign exchange solutions
- International payments
- Multi-currency accounts
- Overseas property transaction support
Specialist Investment and Tax-Efficient Planning
We can support we more complex tax efficient strategies and we can facilitate access to specialist solutions including:
- Venture Capital Trusts (VCTs)
- Enterprise Investment Schemes (EIS)
- Business Relief investments
- Alternative investment strategies
- Tax-efficient investment opportunities
Don’t invest unless you’re prepared to lose all your money. These are high-risk investments and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
