Who we are
At Mercer Private Wealth, we help you navigate through the complexities of today’s financial world. The choices available can often be bewildering; this is why we are here.
Our team of highly qualified financial planners and investment managers will work with you to build a successful financial future, where you can live a happy, secure and prosperous life.
We believe that your wealth should work for you. We look to simplify complexity on your behalf and ultimately energise your wealth.
We build relationships that span generations. So, whether you are seeking financial advice as an individual or as part of a company, we are ready to help.
To us it’s personal.
Steve Sands, Partner,
Mercer Private Wealth Leader
We are proud to hold the Chartered Financial Planners designation from the Chartered Insurance Institute - the industry’s ‘gold standard’. It represents an independent ‘kitemark’ for quality in financial planning and demonstrates our commitment and integrity, held by less than 15% of UK advisory firms. Holders of the Chartered Financial Planner qualification are among the most experienced and most qualified advisers in the profession.
How we help
Our expert financial planners can support you or your company’s employees at any stage of your financial journey.
Some of the areas we can help with are:
Our financial planners advise on the most effective ways of planning for your retirement and more importantly when the time comes, the best way of drawing your pension funds. We will help turn the complexities of pension allowances, contributions levels, taxation and options at retirement into a clear plan and offer advice tailored to your individual needs. This plan can also continue into retirement and beyond.
Whether you are considering a new investment or require support with managing an existing portfolio, our team of financial planners and investment managers are on hand to plan, manage and review your investments. Where possible, we use a variety of tax efficient investment vehicles to ensure your investments are working hard to energise your wealth and reach your financial objectives.
Our financial planners are here to advise on protecting you from those unexpected life events that happen, whether that means protecting your family, your business structure and covering liabilities such as a mortgage. We can walk you through your risk mitigation options that suit your needs to ensure you, your family and your business are adequately covered.
Taxation can be complicated and it is important to have a plan in place to ensure you make the right decisions for your individual financial situation. Whether it is minimising tax now (such as income or capital gains tax) or planning for the future, by taking steps to mitigate a future inheritance tax liability, our financial planners can guide and assist you throughout your journey. We will look to ensure that you get maximum return on your capital through use of various tax-advantaged investments and making use of tax allowances such as ISA and pension contribution limits. When taxation rules change, we will be on hand to refine and update as necessary.
What our clients say
"Overall service excellent, situation always explained very carefully. Very happy with things as they stand."
Mr & Mrs B
"Excellent so far. Perfect blend for me of technical expertise and discussion and socialising my requirements and expectations."
"Personable approach, highly professional but understandable which is the most important issue for non-experts in finance."
"I am very happy with all the time and advice given to me by Michael. I really do rely on his advice."
Mr & Mrs D
"I have been very pleased with the advice and investments provided by Emma and looking forward to this year’s review."
"Very happy with the service and I think an annual review is great as it gives me an opportunity to focus and think more about our investments and SIPP and ask questions."
"My financial planner always makes what I consider to be complex solutions very understandable, he puts across his recommendations and advice in a very simple manner."
Mr & Mrs L
"Our financial planner has a knack of being able to explain complex financial issues in plain English, so that I am able to understand my options and make decisions. I would not make any financial decision without consulting him first."
"Our financial planner is highly analytical and leaves no stone unturned when considering what options we should consider."
Mr & Mrs H
"I have always enjoyed the personal nature of the service and advice, it is reliable, professional and informative."
Mr & Mrs T
"The service that you provide is excellent, your guidance on my investments leading up to my retirement and now I have retired has been greatly appreciated. The relationship I have built with my advisor has given me confidence in my investments and I have recommended your services to several friends."
"The overall service, from everyone I have had contact within Mercer, has always been first class. The annual reviews have been informative and constructive and I consider them to be invaluable and the bedrock of the Mercer/client relationship."
"Very professional and thorough. Service is great any problems are sorted immediately."
Mr and Mrs N
"I am very pleased with the service as you can see from the scores I have given and cannot think of any improvements. The service is professional and sympathetic."
"We are pleased with your service. With the opportunity to discuss and review suggestions in line with our overall needs."
Navigating your financial journey requires careful and detailed planning. We are here to understand your circumstances and design a plan that directs you on the right course to achieve your financial goals in the future. Start a conversation with us and we’ll guide you through each stage of our successful journey together.
Our introductory consultation
Our starting point is an introductory call with one of our financial planners. We will listen carefully to your circumstances and your goals and be able to gauge whether we can help. It’s an opportunity for you to get to know us too. If we both agree that you need our services, we will set sail together.
Formally engaging us
We will follow up with a written letter of engagement, which clearly sets out our broad proposals and our applicable fees. Once you’re happy with this and have reviewed, signed and returned the letter, we can move forward.
Fact finding and analysis
When we meet, we will seek to understand the full detail of your financial and personal circumstances in order to obtain a full picture of your situation. From that, we will be able to help you to define your priorities. To back up our analysis, we may contact your existing product providers for more information. Once we have all the information, we will construct your wealth management roadmap.
Presenting and explaining your plan
We will send you our recommendations in writing. After giving you time to digest our proposal, we will set up a meeting to discuss.
Making your plan reality
With your agreement, we will turn your plan into reality. We will take care of the administration and necessary paperwork. While this can be time-consuming, we will keep you informed at all times.
Energising your finances over the years
Nothing stands still, whether your personal circumstances or external matters. By meeting regularly, we can be flexible and constantly adjust your wealth management roadmap as things change in order to ensure it remains suitable.
We build long-term relationships with our clients and give you peace of mind that everything is in hand throughout your journey.
Important information: please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. Tax rules can change and the value of any benefits depends on individual circumstances.
Meet the team
We have a team of financial planners who create order from complexity and support you and your family in planning for your future and achieving your financial goals. Let’s meet the experts behind Mercer Private Wealth.
Before you do anything, some key elements need to be determined. These include your attitude to risk and what that means to you, your objectives, your current financial situation and how tax affects you. Our financial planners will talk these through with you and help you understand your options. If you are then happy, we will work together to build a plan for you.
We will gather the detail of these pensions, so we are able to determine how much you have available and project that forward as part of your plan to retire. We will look at all of the options available to you, from those that create a fixed income with limited risk, to options like pension drawdown where your money remains invested and you draw down an income.
We will gather a picture of your overall assets and help you understand what tax, if any, you will likely pay. We can call on our expertise and knowledge on various gift allowances and solutions to create a plan for you.
We can review all your existing investments, analyse them collectively and see if they still fit your objectives. This will include the underlying risk, asset allocation, what charges you pay and any tax implications. Then we can build a plan to incorporate these or replace if necessary, in order to ensure your investments fit your objectives.
We will review what you have at present in terms of health and life cover and assess, with your help, what your family would need should something happen to you or your partner. We can then review any shortfall and create a plan to ensure that your family are financially supported should this happen.
We’re eager to speak with you. Please provide your details below.