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Wealth management

McBrides Wealth Management focuses on four main things, the creation of wealth, its maintenance and growth, making it last and, ultimately, its transfer through generations.

Our services are backed by the resources of Sanlam Private Investments, a UK based investment business whose parent company is one of South Africa’s leading financial services groups. They cover:

Maximising your wealth

All our clients define their ‘wealth’ differently. For some, it is purely the value of assets; for others it is family, relationships and the comfort of security. However, one thing is constant – your wealth is precious.

McBrides Wealth Management aims to provide solutions to the changes in your life including your options in retirement, changes in the event of a business sale or more general changes of circumstances.  A plan will be drawn up to meet both you and your family’s income and capital requirements.  Reflecting what is important to you whether this is seeking to maximise income, protecting your family or passing on wealth to your dependents.

Enjoying your wealth

Successful wealth planning begins with a goal.  Before investing any money a simple question must always be asked: what do you want to achieve from your investment and when? McBrides Wealth Management will work with you to construct a detailed plan to manage your investments to ensure that you can enjoy your wealth and meet your needs both now and in the future.

Investment strategy

Investing money wisely requires consideration, understanding, care and vigilance. That’s why, when making investment decisions it’s important to take appropriate advice; to help you identify your goals, ascertain timeframes and required growth rates, understand your position in relation to risk and ultimately, to select the investment vehicles appropriate to both your needs and tax position.

McBrides Wealth Management will bring clarity to your current investment strategy to provide a better understanding of the risks involved, the returns generated and the costs of management of the funds.

Family and business protection

There are a great many ‘what ifs’ in life.  Questions sometimes too frightening to contemplate an answer to, with possibilities many of us don’t necessarily want to consider.

McBrides Wealth Management are able to discuss all of your family and business protection needs: life assurance, medical insurance, critical illness cover, income protection, mortgage payment protection, shareholder protection, partnership insurance and key person protection.

Retirement planning

Longevity has become an issue for all of us. With so many of us living far longer than our forebears ever expected to, it's possible that some will live longer in retirement than they ever spent working; and with the long term future of the State Retirement Pension scheme looking increasingly uncertain, McBrides Wealth Management’s view is that planning for your retirement is one of the most important things you can do with your money. We believe that your retirement date is not merely the date that you finish work, it is the date when somebody else stops paying you and you start paying yourself. The success of your retirement planning will dictate how much you will receive each month and, just as importantly, for how long.

We are able to guide you on choosing a retirement plan to meet your individual needs, holding your hand through the wide array of avenues and structures available, from the straight-forward to the sophisticated.

Estate planning

When you die, there is an assessment of the value of your assets (your estate). Depending on who your assets pass to, they will be assessed for Inheritance Tax purposes.  Whilst some assets are exempt, most are not, and if these exceed a value of £325,000 (or £650,000 for a married couple), the balance will suffer tax of 40% which could represent a significant loss to your beneficiaries. In addition to the forthcoming increase in the allowance where the family home is passed to your direct descendants, there are a number of planning steps that can be taken to reduce the tax bill or replace the loss of value to your beneficiaries.

Whichever way you decide to approach estate planning, the earlier you take action the better chance you have of reducing the Inheritance Tax liability on your estate. This means more of your money is passed onto your loved ones in the future, and less is lost in tax.

The rules on Inheritance Tax can become complicated so please speak to McBrides on the options available to make your estate more Inheritance Tax efficient.

Mortgage planning

Whatever the state of the UK housing market, or indeed the wider economy, nothing seems to dampen our desire to purchase and own property. It is a want drummed into all of us from a very early age, something nearly all of us aspire to, whether it be a house to live in, to rent out, visit at weekends, for investment purposes, or as a 'bolt hole' in the sun.

Whatever your reason for wanting to buy a property, it should not be a decision taken lightly, especially if borrowings are required in the form of a mortgage.

McBrides Wealth management believes that besides finding the 'right deal' for our clients we must also ensure that the client suits the deal; that no one gets 'out of their depth', that clients have a full understanding of both the upsides and the downsides of their arrangements; that all decisions made are made for the right reason.

Employee benefits

Aside from salary and a positive, motivational working environment, the benefits package that an employee enjoys plays a significant role in the decision making process of whether to stay with their existing employer or to move to pastures new.

McBrides Wealth Management can advise you on a range of benefits, including pensions, healthcare, life assurance and other flexible benefits, that you can offer your employees supporting the needs and requirements of your business whether small or large.

We can also help your company prepare for Auto-Enrolment.  The regulations are clear in that it is an employer’s responsibility to manage and implement Auto-Enrolment for its workforce so it is vital to engage the right providers and allow sufficient time to prepare.


The value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested. The following services offered are not regulated by the Financial Conduct Authority: tax planning, inheritance tax planning and trustee services.

McBrides Wealth Management  is a trading name of Sanlam Professional Partnerships LLP an Appointed Representative of Sanlam Private Investments Wealth Management (UK) Ltd which is authorised and regulated by the Financial Conduct Authority (FRN 116281) Registered address: 16 South Park, Sevenoaks, Kent TN13 1AN. Registered in England and Wales No. 03541028.  Sanlam Professional Partnerships LLP Registered Office: 16 South Park, Sevenoaks, Kent TN13 1AN. Registered in England and Wales No. OC390756

Speak to our experts

Terry Baldwin

Tax Partner

Meet the whole team