Bob Woods - Chairman - Mattioli Woods
Our clients range from owner-managers and senior executives to other professional people. Sipps and SSASs are often central to our clients’ pension strategies, but pension planning cannot be developed in isolation.
The fundamental long-term objective of accumulation is to develop sufficient wealth to be capable of making lifestyle choices without recourse to a client’s financial implications.
The accumulation of sufficient capital in itself is not sufficient, and appropriate diversification is needed to counter the risks associated with every asset class. Reducing or avoiding exposure to assets that have become expensive or vulnerable, and thereby protecting gains, creates strong foundations for growth.
We take full account of the wider opportunities, including ISAs and other forms of personal investment, taxation and trust planning. We work with our clients to develop a balanced financial plan.
Over 60% of our clients hold commercial property within their Sipp or SSAS, often with their own business as tenants.
Property is well suited to retirement accumulation, lending itself to both tax-free capital growth and income generation, often inflation-linked.
For further diversification, we use a tightly controlled but varied portfolio of investment instruments. These include a range of bespoke structured products and syndicated property.