High-net-worth clients do not need more products.
They need an adviser who understands the full complexity of their financial position across property, investments, pensions, tax, business interests and estate planning and who gives advice that reflects that complexity properly.
At Roxton Wealth, that is exactly what a private client relationship looks like.
We advise private clients on the full range of financial and mortgage planning, with particular depth in complex income structures, significant property portfolios, tax efficiency, and the estate and legacy considerations that matter when accumulated wealth is substantial.
Tax, estate, complex assets
Complex, multi-source
Joined-up, behavioural
Rigorous, direct, discreet
These may include:
• Complex income structures
• Significant investment assets
• Business ownership interests
• Property portfolios
• Inheritance considerations
• Cross-border assets
• Family wealth planning
• Tax planning discussions
At Roxton Wealth, we provide joined-up advice that helps bring clarity to complex financial situations.
Because greater wealth should create more opportunities, not more uncertainty.
Our planning process may incorporate:
• Cashflow Modelling
• Investment Planning
• Pension Planning
• Tax-Efficient Strategies
• Protection Planning
• Property Finance
• Estate Planning Considerations
• Business Exit Planning
• Legacy Planning
Because every decision has wider implications.
The financial planning conversation for a high-net-worth client requires a different level of preparation.
Before the initial consultation, we review financial documents that reflect the complexity of the position, tax returns, pension statements, investment portfolios, corporate structures, property schedules.
We then map the full picture, income structure, asset base, liabilities, tax position, estate value before making any observation, let alone a recommendation.
We help clients bring together:
• Financial Planning & Cashflow Modelling
• Investments
• Pensions
• Protection Planning
• Mortgages
• Later Life Planning
• Equity Release
• Legacy Planning
The initial consultation maps all of this clearly.
By the end of it, you have a full picture of your financial position, a clear understanding of which areas need attention and in what order, and a specific plan for what happens next.
Because the strongest financial plans are often the most connected.
These are the situations that bring most of our private clients to Roxton Wealth. If one of them describes your position, it is worth a conversation.
The personal allowance taper above £100,000 and the tapered annual allowance above £200,000 are the two most significant planning issues for high earners and they interact with each other. Getting the pension contribution strategy right in relation to these thresholds is one of the most impactful things a financial planning conversation can produce, and one of the most frequently missed.
Many high earners manage individual financial decisions well but have no single, joined-up view of their complete financial position. Total asset base, estate value, tax exposure, pension position, protection gaps, estate planning status mapping all of this clearly, typically for the first time, is the most common outcome of a first Roxton Wealth private client consultation.
Estate planning for high-net-worth clients is a combination of financial planning and legal structuring. The financial planning elements — pension nominations, investment structure, gifting strategy, trust funding need to be coordinated with the legal elements: wills, trusts, LPAs. We advise on the financial strategy and work alongside your solicitor, or introduce one where needed, to ensure the two are properly aligned.
Serving successful individuals across a range of sectors.
Salary, bonuses, company income, dividends, rental income and irregular earnings.
Main residence, investment property, portfolio lending and repayment strategy.
Wealth, borrowing, risk, family, lifestyle, business, tax wrappers, legacy and behaviour.
Cash, pensions, investments, ISAs, withdrawals, risk and liquidity.
Family support, later-life planning, inheritance intentions and protection.
Many larger wealth management firms can feel transactional and institutional. As a boutique, founder-led firm, Roxton Wealth offers something different.
Clients benefit from: • Direct access to experienced advisers • Highly personalised planning • Education-led conversations • Long-term relationships • Modern communication • A genuinely joined-up approach
We combine sophisticated planning with a human approach.
Because wealth management should feel personal.
Knowledge Hub
With our private clients, in our first conversation, we establish what matters, what is complex and what needs to happen first.
Whether you are managing significant assets, planning for retirement, growing a business, or thinking about future generations, we can help bring clarity to complex financial decisions.
