Clifton Wealth Partnership provides a host of financial wealth services | Client

The financial advisers in the Clifton network have expertise across the financial planning spectrum to be able to meet the needs of our business and individual customers.

Investment advice

Deciding where to invest your savings can be a daunting process. Generally speaking you’re agreeing to the higher level of risk associated with investing, with the aim of achieving greater potential returns over the long term verses traditional cash deposit savings – as tax efficiently as possible. Investment options include…

Individual savings accounts & junior individual savings accounts
General investment accounts
Onshore & offshore investment bonds
Venture capital trusts & enterprise investment schemes
Cash deposit management

Whether you’re looking solely for capital preservation, income or growth we will review your needs to identify the best investment solution for you.

Retirement advice

It’s never too early to start planning for retirement. The sooner you start thinking about how you will generate the income you need to fund the lifestyle you want when you are no longer working, the more likely you will be to achieve your retirement goals. There are a number of saving options that can help provide financial stability in retirement including pensions, ISAs and investments

The Clifton ‘Plan for Life’ approach will take you through a discovery journey to identify future plans and aspirations. Coupled with cashflow modelling we will illustrate the effect of various options including the potential impact of life events, investment and protection decisions.

Protection

Income protection

Income protection is designed to provide you with an income if you’re unable to work for a prolonged period due to illness or injury. These plans will cover a specified number of years (usually until retirement) and, in the event of a qualifying claim, the proceeds are paid until you are able to return to work or reach the end of the term, whichever occurs first.

Private Medical insurance

Private medical insurance allows you to pay for private medical care if you would rather not wait for treatment from the NHS. Some policies allow you to choose when, where and by which specialist you are treated.

Life assurance

Life assurance can be used to help pay off the mortgage and support the family in the event that either the key earner or homemaker passes away. Depending on the type of policy, it can pay out a lump sum or provide a regular income. Our process will identify what you want life insurance cover for since that will help determine the best policy for you.

Critical Illness

Critical Illness plans provide a lump sum in the event of you being diagnosed with one of a large number of specified illnesses. They can be structured on a term or whole of life basis and, given that we are more likely to suffer a serious illness than to die before we retire, it is perhaps the most valuable element of all protection plans.

Mortgage advice

Whether you are investing in property or are looking to get on the property ladder, our advisers have the expertise to provide independent mortgage advice for all kinds of buyers.

We can help with;

Buy to let mortgages
Portfolio landlord mortgages
Intergenerational mortgages
Acquiring mortgages for businesses and commercial premises
Remortgaging advice

Estate planning

Protecting what is yours can help to mitigate Inheritance Tax, but no one method can, or should, be considered a ‘complete solution’ as each individual will have different circumstances and requirements. Life assurance plans, ‘gifting’ and/or employing the use of trusts are often considered key strategies in protecting your assets.

Business advice

We have been working with SME customers for many years and understand the stresses and strains of running a small business. Our advisers can help with...

Auto enrolment and employee benefit solutions
Small self administered schemes & self invested personal pensions
Corporate finance
Shareholder protection & key man insurance
Succession planning

Plan for Life

Whatever your work status – business owner, employee or something else entirely, one thing is certain as you travel through life your financial needs and priorities change.

The Plan for Life process aims to eliminate the element of surprise and allow you to enter each of your life stages in the full knowledge of what to expect having planned for it with your adviser.

Learn more

Our clients have access to a wide range of products and services including:

Morgan Lloyd was established in 2003 to provide professional Pension Trustee and Administration Services for Small Self Administered Schemes (SSAS).

Morgan Lloyd is one of the fastest growing professional Trustee companies in the UK. Our expertise and innovative approach presents our clients with the ability to explore many investment and business funding opportunities via a SSAS or a SIPP.

Visit Morgan Lloyd

Eden Park Investment Management work exclusively with financial advisers and provides a platform-only managed portfolio service offering a diverse range of risk-profiled portfolios to meet clients’ needs

Eden Park Investment Management operates three model portfolio ranges, Brunel, Cabot and Sustainable, powered by Hymans Robertson Investment Services, Charles Stanley and LGT Wealth Management respectively, each with 5 or 6 risk-profiled models.

Visit EPIM

Morgan Lloyd Invest is our investment platform offering General Investment Account (GIA), ISA, SIPP and Offshore Bond investment accounts.

We make the process of advisers managing customers' investments as easy as possible. We work closely with firms to ensure advisers get the most out of the service to achieve excellent customer outcomes.

Visit Morgan Lloyd Invest

MyViewpoint is updated daily and provides clients with a unique and safe place using just one username and password.

A clients' entire financial life brought together in one place. Mobile and web-based, MyViewpoint offers them 24/7 access to their investments, savings, pensions, property, banking, mortgages, credit cards and insurances.

Visit MyViewpoint