The first stage of Wealth Management is creating your wealth

Saving monthly is a good way to begin creating your wealth. The sooner you start saving, the more time your money has the potential to grow. With low interest rates, it can be hard to make the most of your savings. An adviser can help you understand your options and create a bespoke investment plan for you, based on your individual needs and goals to make your money work hard for you. At Four Wealth Management, our advisers will use a diversified approach to creating wealth aiming to reduce risk.

With mortgage rates at historic lows, getting on the property ladder can be an ideal way to continue creating your wealth. Whether you are buying your first home or looking to invest in property to make an additional income, we can help you find the most suitable mortgage for you.

Starting a pension as early as possible is a tax-efficient way of saving for your future. Get help starting your pension today.

Most people are eligible for auto-enrolment and will already have a pension started for them with employer contributions. However, the minimum contributions are relatively low, which means that you are unlikely to achieve your desired lifestyle at retirement with this alone. Starting your own additional pension could overcome this and you can still take advantage of up to 45% tax relief from the government, on the basis that any tax relief above the basic rate is claimed via your annual tax return. At Four Wealth Management, we are experienced in helping clients who are starting pensions and thinking about their options at retirement.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.