Tailored solutions for senior executives and C-Suite
Providing you with a bespoke, comprehensive financial plan to help you achieve your goals and aspirations.
Apollo Private Wealth offers individually tailored wealth management services built around the needs of senior executives.
We have a deep understanding of the specialist challenges faced by successful individuals, who may not have the capacity or inclination to devote time to financial planning.
We have advised senior and C-level executives with significant shareholdings, and complex remuneration structures, with the goal of minimising tax liability when accessing corporate holdings and benefits.
Wealth planning
We act as a ‘second pair of eyes’ to help you determine which benefits to use, and how best to capitalise on salary sacrifice schemes in the most tax efficient way.
By helping you to understand the equity compensation you receive, and the risk it puts you in by way of concentrated equity position, we can then analyse your potential Capital Gains Tax (CGT) liability, identify key event dates to realise those gains, and tailor your financial planning and broader investment strategy, to gradually mitigate risk and improve the spread of your exposure.
We can help you to analyse your corporate interests and benefits, thereby determining tax-efficient methods through which to access or realise those, in the context of your existing financial positions, and your financial plan – determined by the timeline of your goals and objectives.
As your life progresses, we incorporate your career, remuneration and benefits into your financial plan – to enable you to plan ahead for events like paying for private school, the cost of sending your child to university, or to purchase additional dwellings.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Leveraging our expertise in business ownership and advising business owners, we can advise on the most tax efficient way to sell your business and exit in a way that tax liabilities are managed and the proceeds are designed to meet your goals.
Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.
With our expert knowledge around inheritance tax (IHT) we can help structure your financial positions, remuneration, retirement planning, protection and business exits, in a way that could mitigate your IHT liability, helping you to pass more of your wealth on to your descendants.
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.
Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.
Retirement planning
Providing you with a plan that is modelled and stress-tested based on your individual cashflow, which demonstrates how you can gradually move out of work or generate partial income.
Pension contributions become complex particularly with a higher level of income, but we can advise on capitalising on tax-efficient pension savings, including how best to use carry forward, in the event that you have surplus funds to contribute, or are restarting contributions (for example, with the removal of the Lifetime Allowance/LTA).
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
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.
Many employers contribute to your pension on your behalf at rates far exceeding the statutory amount – particularly at a higher level of seniority. We can advise on capitalising on these contributions, as well as maximising your own, based on a tax-efficient strategy that looks ahead to the level of pension funds you may need in retirement.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
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.
Once you approach retirement, we will help you to consider the best strategies by which to draw funds as a lump sum and for income. In particular, we consider the order in which you should draw from a variety of products, to ensure the upmost tax efficiency, both when you realise the lump sum and income, and when your beneficiaries go on to inherit these assets.
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.
