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Wealth Management
Hillier Hopkins offers a full wealth management service. Our Wealth Management team are ideally positioned to offer advice to wealthy clients and trustees. Within one organisation we have experts with specialised qualifications and experience in investments, trust matters, all taxation matters, estates, and probate, and all associated areas of advice. Owned by our membersWe are owned by our members and only by our members, and remain genuinely independent. We are able to research and select experts and solutions from the entire investment and taxation universe. Hillier Hopkins Wealth Management Department is concerned with assisting clients in being confident that they will have the financing available to meet all their goals regardless, as far as possible, of financial conditions and catastrophes. Some clients are seeking financial freedom or independence to allow them to live without having to work. Many clients have achieved tremendous success in their career and want to leave a legacy either for their heirs or to establish a charity. Whatever our clients’ requirements we provide them with disciplined and entirely independent advice. We seek out investment managers from across the world and advise on tax structures to maximise net returns. In most cases we can achieve far better terms than the standard retail terms offered by most UK investment houses. We have also arranged access to some funds that are normally only available to institutions. The three key areas where we add most value are: 1) Asset allocation 2) Taxation advice 3) Expense reduction But many of our clients tell us that what they value most is the reassurance that we provide and the removal of so much paperwork. What do we do?We assist clients in arranging their affairs in such a way that regardless of fluctuating markets and unforeseen catastrophes our clients can be as confident as possible that they will hit the financial goals that are part and parcel of their personal objectives. We are effectively our client’s personal Financial Director:
Case StudiesWe place great emphasis on expertise. The wealth management team are all qualified well in excess of any regulatory requirement. We have investment and taxation professionals who have the specialist knowledge and experience that our clients expect. We provide unlimited basic e-mail and telephone support and quarterly valuations. Who are our clients?Most of our clients are at a stage in their life where they have accumulated a substantial level of capital, often including pension arrangements. They are more concerned with protecting this hard earned capital from poor investment advice or poor taxation advice than with promises of some seemingly arbitrarily established rate of growth. Typical clients are professional trustees or wealthy individuals over the age of 55 with at least £500,000 of investable assets. They are generally more concerned with protecting their capital from poor investment and poor taxation advice than they are concerned with getting on the latest “hot” investment. We only work with clients where we believe we can make a material difference to their financial planning. Some clients do not exactly fit the above paragraph – they may have less to invest now but are rapidly accumulating capital and a few are younger than 55. What our clients have in common is that they appreciate good value professional services and are seeking a consultative relationship with an expert. How do we charge?We are a fee-based organisation interested in consultative rather than transactional relationships with clients. Our recurring fees are a percentage of the funds that are under advice. Fees are agreed in advance and are rarely simply based on hourly rates. Most clients agree a structure that includes unlimited basic telephone and e-mail support. The move away from hourly rates has encouraged greater communication between clients and Hillier Hopkins. How do we design portfolios?We utilise robust portfolio planning techniques and have close links with the UK and US academic communities. We are long-term fans of Modern Portfolio Theory. This is a Nobel Prize winning theory that suggests that the bulk of the returns from a portfolio come not from market timing or stock selection but from asset allocation. We design investment strategies using Modern Portfolio Theory, the Three Factor Model, and other well tested theories. We then implement these strategies using institutional rather than retail funds. This reduces initial, ongoing and trading costs substantially. We arrange a client’s affairs tax efficiently to reduce unnecessary tax leakage. We have designed a range of portfolios for our clients. We constantly refine these portfolios and tweak them to make them suitable for each individual client. We are not however active traders, and the underlying institutional managers that we select are not active traders. The most likely outcome of active trading is increased expenses and commissions and reduced net performance for our clients. Why Hillier HopkinsPlease look at our literature, talk to our existing clients and talk to us, but the following is the key:- Hillier Hopkins Wealth Management team deliver the key Hillier Hopkins ingredients – service and integrity. It is these factors more than any others that our clients appreciate. When things go wrongShould you ever feel that our services have not been to your satisfaction, please do not hesitate to raise any queries with us immediately. We do everything we can to ensure you are happy with our work and will make every effort to resolve any issues as soon as we are aware of them. Your relationship managerWe have a large team of very talented individuals but you will have one main point of contact with Hillier Hopkins. He or she will introduce and involve colleagues but your main point of contact will be entirely familiar with all of your circumstances. Wealth Management is led by Ben Sherwood and David Nye. Both have many years experience of dealing with private clients, and both assist investors in making intelligent investment decisions. The Wealth Management Team: David Nye (View profile) |
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