Welcome to Elmstone
Where your story matters as much as your numbers.
Financial planning as it should be.
We specialise in helping highly successful business owners, media personalities & executives manage their personal finances, so they can focus on the things that matter.
Why?
Whether you own a growing business, or have various pensions that have built up over time, it is likely that organising your financial affairs is something that’s often put off for a later date
You have an idea of what your future might look like but just hope it will all work out
You have inherited complex financial arrangements that have become confusing and don’t fill you with confidence
You have a nagging concern that you could be doing more…
Our 4-stage initial process;
1. Understand
This is our chance to discuss where you are in life and where you want to go. This open conversation is to really understand what you want from life.
Together we will highlight your objectives and start to prioritise them.
2. Plan
In this stage we aim to put your thoughts on paper. Together we will paint an accurate picture of your finances. Then using sophisticated financial forecasting software we will create a projection of your future.
This will show us whether your current plan allows you to achieve the things you want in life, or whether some adjustments need to be made.
3. Strategy
We can now see whether your current trajectory aligns with your aspirations. If your path falls short of your ambitions, we can work together to put a strategy in place that will help you build a better future.
4. Implement
After presenting our strategy and leaving it with you, we will reconvene a week later to cover any questions you may have. Once you are entirely confident with our advice and the costs associated we will go through the relevant paperwork to implement.
…5. Review
The initial process is just the start, our real value comes from helping to keep you on track. Life is full of surprises, we will have regular review meetings and adjust our strategy where needed.
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Business Owners & Corporate Services
Running a successful business takes time, commitment, hard work and determination. This means that owners have little time to think about their own financial objectives, or the protection of the business they have created. As a result, planning your own and your employees’ financial security becomes neglected or often completely overlooked.
As a director, it is important to look after your own increasingly complex personal financial affairs. Careful planning is key to ensuring financial security over the longer term, and advice from a specialist can help you meet your aims while concentrating on managing the business.
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Pensions
Taking the time to plan for your future is crucial to your long term financial wellbeing.
Pensions will likely form the foundation of your retirement income so understanding the expected income they will provide is crucial.
We can help review your existing pension plans to give you income projections and make sure they are working as hard as can be for you.
Don’t leave your retirement plans to chance; let us help ensure your money works hardest for you.
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Investments
Whether you are looking to invest for capital growth, or create additional streams of income, we can put together a tax-efficient investment proposition that is specifically tailored to your life and circumstances.
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Protection
Preparing for the unexpected is the foundation of any good financial plan. Without it, even the best plans can fall apart.
We can protect the things you cherish by ensuring you are comprehensively covered for all of life’s eventualities.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
“Don’t be busy, be productive”
Reach out today, or book a no-obligation meeting with us below
What our clients say;
“We have been very happy with the level of support and communication about our personal finances provided to us by Matt Cross & SJP for a number of years”
— Melanie Aust & Paul Fordyce
“Having resisted the advances of many financial advisers over the years - kidding myself that I knew best - Matt undertook a complete review of my pension and brought clarity to my financial position.”
— Adrian Gray
