ISA, pension, GIA, onshore bond, offshore bond — they're all just containers. What goes in each one, and why, is where the real value lies.
We're not just investment managers. We're financial planners who also manage investments. There's a big difference.
Most firms sell you a portfolio and bolt advice on as an afterthought. We do it the other way round. We plan first — tax, structure, protection, pensions — and then invest. The investment decision is the last one we make, not the first.
Because we deliver financial planning and investment management together, not only is it more efficient — we act as an intermediary, so most of our services are not subject to VAT — but it's the only way to do it properly. You can't advise on investments without understanding the tax position. You can't plan a pension without knowing the investment strategy. It's all one thing.
We consider eight connected aspects in every plan. They have a priority order, but they all interact — you can't advise on one without the others.
We consider eight connected aspects in every plan. They have a priority order but they all interact — you can't advise on one without the others.
Debt before anything else
Explore →Replacing earnings
Explore →Life & critical illness
Explore →Accumulation & drawdown
Explore →ISAs & cash
Explore →Portfolios & DFM
Explore →CGT, IHT, income
Explore →FICs & settlements
Explore →As your financial planner, we have a straightforward obligation: the value we provide should exceed what we charge. If it doesn't, you shouldn't be using us. Everything we do — the planning, the technology, the investment management — is designed to make sure the answer to that question is never in doubt.
Holistic planning across all eight aspects. Investment advice. Tax wrapper structuring. Cashflow modelling. Estate planning. The Wealth Portal and mobile app. Continuous dynamic reviewing. Institutional fund pricing — up to 50% cheaper than retail.
Advice on your workplace pension and existing schemes. National savings. Fixed interest. Fund selection guidance on schemes we don't manage. It's all part of the holistic picture.
Our platforms, our DFM, your decisions. For qualified advisers and planners who don't need regulated advice — just a structure for your wealth.
Instant access cash rates — no platform fees, no margin from us
Available to existing clients
Our portfolios have been independently constructed since 2008. The combination of institutional pricing, proper tax structuring, and genuinely holistic planning often means the value of what we save clients far exceeds the fee itself.
There are no exit fees and no barriers to leaving. You're free to move your assets to another adviser at any time. We don't need to lock anyone in.
Where an external discretionary fund manager is used on your behalf, their fees will apply in addition to ours. In these cases, we discount our own fee accordingly. Where discretionary management is provided through our group company, Perpetual Wealth Solutions, alongside one of our institutional platform partners, total investment management fees are capped at 0.1% per annum. Institutional fund pricing is only available on our institutional platforms — retail platforms such as Aviva, abrdn, and AJ Bell carry standard fund charges which are typically higher.
Cash rates are variable and set by the platform's banking partner. Rates shown are correct at the time of publication and may change without notice.
Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest.
Family Capital is a trading name of Family Capital Ltd, which is authorised and regulated by the Financial Conduct Authority. Tax treatment depends on individual circumstances and may be subject to change in the future.