Individual advice, for private or corporate clients

Our clients

At Accumulate Wealth Management Group Ltd we provide advice and support to both private and corporate clients.  Our team are all fully qualified Independent Financial Advisors with long term experience delivering bespoke financial solutions.

We offer a whole of market solution to both private and corporate clients, not tied to any provider, allowing the most suitable solutions to be provided.

Private Clients

A typical Private Client will have accumulated significant liquid assets and is looking for solutions to grow the value, with an eye on managing the downside. This could be as a result of accumulating pension funds up to and including retirement, or it could be accumulation of savings/inheritance.

Service is extremely important to our clients as well as fair and reasonable charges.

It is also important to have access to the widest range of solutions with access to an independent choice of product provider.

A Private Client is faced with 3 significant financial stages through their life.

Stage 1 Accumulation of wealth

Managing and preserving wealth already built up is essential for those approaching retirement. With the future in mind tax efficiency is important. Typical tax considerations would include Income Tax, Capital Gains Tax, Corporation Tax and investment products that benefit from tax relief.

Stage 2 Utilisation

At the utilisation stage income is generated and capital released from accumulated wealth by effectively utilising a range of tax wrappers. Managing this efficiently helps client limit the tax they pay so releasing more funds to fulfill their planned objectives. In addition, risk and investment management is essential to ensure underlying investments are in line with the client’s expectations around volatility and growth or income. Everyone has their own set of goals which is why we create a wealth management strategy shaped specifically for the client.

Stage 3 Preservation

Having accumulated and then utilised some of their wealth clients also seek ways to preserve what has been achieved. Protecting and passing on wealth, for the benefit of loved ones, is usually a vital concern. The additional tax consideration is Inheritance Tax and the allowances available. At the appropriate time we can develop tax efficient solutions to help manage the transfer of gifts between generations.

In summary

Our on-going ‘client management’ approach means we are regularly reviewing a client’s finances taking into account any changes in circumstances.

We also encourage working with other professionals that a client has a trusted relationship with such as Accountants or Solicitors, as well as family members to develop a more cohesive solution.

We adopt a friendly, easy-to-understand and professional approach to ensure the client receives clear guidance and advice.

Any tax advice would be dependent on individual circumstances and UK legislation, both of which may be subject to change in the future. Although we are not tax advisers, Accumulate Wealth Management Group Ltd can provide generic tax guidance. Where formal tax advice is required this should always be sought from a qualified tax adviser.

The overall objective of Accumulate Wealth Management Group Ltd is to define a clear strategy towards meeting agreed financial planning objectives and develop a long term friendly and professional relationship.

Corporate Clients

Employee Benefits

We know that provision of a quality benefits package enables employers to reward staff in a tax-efficient way and assists with recruitment and retention. Properly structured and implemented, benefits add value to the bottom line. Poorly communicated, they are simply an additional cost.

Whether you are a large corporate, a charity or a small to medium enterprise, our aim is to demystify regulation and complexity, enhancing the value of your benefits whilst simplifying benefit structures.

Accumulate Wealth Management Group Ltd’s proposition;

  • Ensuring employers fully appreciate the benefits they are providing, and the responsibilities that come with certain benefits
  • Ensuring employers see the value in providing benefits to employees and ensuring the benefits are both competitive in the marketplace and competitively priced
  • Ensuring employees understand and appreciate the true value of the benefits they are provided with
  • Providing advice to employees where appropriate to assist them in selecting benefits

Pension Schemes

At the heart of most employee benefit packages is a Group Pension arrangement, usually a money purchase type scheme. Accumulate Wealth Management Group Ltd can provide expert advice on:

  • Scheme design and implementation
  • Existing scheme review, governance and due diligence
  • Compliance with new legislation e.g. “Auto-Enrolment”
  • Employee presentations
  • Member “surgery” sessions, face to face at Employer sites

“Extended range benefits”

Accumulate Wealth Management Group Ltd can provide independent advice, from the “whole of market” insurance companies and providers ensuring the best return is obtained from Employer spend on the following products:

  • Death In Service provision
  • Private Medical Cover
  • Long term disability cover


Many pension scheme members are in a Group Personal pension or other defined contribution scheme. At retirement many scheme members will purchase an annuity – a guaranteed income for life – when they retire. Our experience it that most scheme members will be better off, for the rest of their life, buying that annuity from a different company to the one that has invested their money up until that date.

Employers often spend a great deal of time and effort into the selection of a pension provider to whom contributions will be entrusted. But the communication exercise and explanation of the options at the opposite end is every bit as important. After all, the point of a pension scheme is to provide a pension, ( income) in retirement.

The Open Market Option is an enormously valuable weapon in the benefits armoury and the vast majority of employees will be able to exercise it, yet most do not. Those who do not are potentially missing out on a significant uplift to their retirement income of 40% or more – per year, for the rest of their life. Furthermore factors such as poor health can result in enhanced income, yet this is often overlooked by many.

Accumulate Wealth Management Group Ltd is able to search the market to ensure your scheme members receive the best possible income for the size of their fund. Every £ we add to the pension is an extra £ for the rest of their life.