Financial planning provides a framework for making decisions about your wealth. It starts with understanding your circumstances and objectives before considering individual financial strategies or products.
For internationally mobile clients, this means bringing together assets, pensions, investments, property and financial commitments that may span different countries and currencies.
What Is Financial Planning?
Financial planning starts with understanding what you want your wealth to achieve. It then brings together the different parts of your financial life so you can understand how decisions in one area may affect another.
1Understand Your Position
Planning ahead starts with a reliable picture of the present. We bring together information about what you own, what you owe, what comes in and what goes out.
2Define Your Objectives
We establish what matters most, when different goals may arise and where you have flexibility.
3Bring the Pieces Together
Your pensions, investments, cash flow, property and other relevant arrangements are considered as parts of the same financial picture.
4Explore the Options
Where useful, modelling can help compare different decisions and assumptions before significant decisions are made.
5Review and Adjust
Your plan can be revisited as your circumstances, objectives and the external environment change.
Financial Planning
Financial planning is not an attempt to predict the future precisely. It provides a framework for understanding your position, exploring your options and making decisions around what you want your wealth to achieve.
Understand Where You Stand
Mapping your complete financial position can help identify gaps, overlaps, concentrations and decisions that deserve closer attention.
Plan for Different Futures
Scenario modelling can help compare possible futures, such as retiring earlier, moving country, buying property or changing how much you save and invest.
Keep Your Plan Relevant
Regular review gives you an opportunity to reassess your plan, update relevant assumptions and decide whether previous strategies remain appropriate.
Free Financial Planning Guides
Our Financial Planning Solutions
Financial planning brings together the different areas of your financial life so that decisions can be considered in the context of your wider objectives. For internationally mobile clients, that can also mean recognising where different countries, currencies and financial systems intersect.
1Financial Assessment
We start by understanding your assets, liabilities, income, expenditure and wider financial circumstances to build a reliable picture of where you stand today.
2Goal Setting
We establish what you want your wealth to make possible, from retirement and property to supporting family, moving country or building long-term wealth.
3Strategic Planning
Cash-flow planning brings together income, expenditure, assets, liabilities and future commitments to help you understand what your current wealth and future income
4Scenario Planning
Scenario modelling can help compare the potential impact of different decisions, such as retiring earlier, changing spending, moving country or buying property.
5Retirement Planning
We consider when and where you expect to retire, your likely expenditure, pensions, investments, property, cash reserves and other resources that may support your future lifestyle.
6Investment Planning
Investments are considered in relation to your objectives, timeframe, attitude to risk, capacity for loss, liquidity needs, other assets and relevant tax considerations.
7Pensions and Retirement Assets
We consider pensions held across different employers, providers and countries as part of your wider retirement position, recognising that each arrangement may have different benefits, costs and considerations.
8Tax-Aware Planning
Financial planning can help identify where tax considerations intersect with decisions around relocation, retirement income, investments, property, gifts, estate planning and business interests.
9Estate and Succession Planning
We consider how asset ownership, beneficiaries, pensions, property, business interests and succession objectives connect to your wider financial position.
10Protection Planning
Protection planning considers the financial consequences of illness, disability or death and whether additional protection has a role in addressing those risks.
11International Financial Planning
For internationally mobile individuals and families, financial planning can bring together assets, pensions, property, family commitments and future plans that span different countries and currencies.
The Hoxton Wealth App: Your Financial Planning Companion
Comprehensive Dashboard
View all your financial plans in one place with our intuitive dashboard. Monitor performance, track progress, and stay updated with real-time data.
WealthFlow
Our innovative WealthFlow feature offers a holistic view of your financial health by allowing you to connect and synchronise your bank accounts and investment accounts. This integration enables seamless tracking of your finances and better financial planning.
Goal Tracking
Set and track your financial goals within the app, receiving regular updates and insights to help you stay on course.
Live Net worth Tracker
Keep an eye on your overall financial health with our live net worth tracker, which aggregates data from all your accounts to offer an up-to-date view of your net worth.
Secure Document Storage
Store important financial documents securely in the app, ensuring you have access to them whenever needed.
Alerts and Notifications
Stay informed with custom alerts and notifications on market movements, financial plan updates, and opportunities to enhance your financial strategies.
