WHAT WE OFFER

OUR SERVICES

We offer both an ongoing financial planning service, which helps you set out your targets and keeps a watchful eye on your progress, or individual transactional services to help you take stock of your situation and identify the best way forward.

Initial Financial ReviewOur core service, the Financial Review, is usually undertaken as the initial step in an ongoing relationship, but is also available as a discrete, standalone activity to help refocus your finances.

We help you identify and articulate your goals, and calculate an estimation of your net worth as the key input into assessing your ability to meet your targets. We consider how your assets can be arranged optimally in terms of tax, flexibility and access, and help you make full use of investment wrappers such as ISAs, SIPPs and offshore bonds. We also help you mitigate against potential inheritance tax liabilities. The building blocks to help you reach your financial goals are your investments. We make sure they are suitable given your attitude to risk and your required rate of investment return. We also calculate the future value of your pension benefits and the most efficient way to draw on them. Importantly, we look at the range of insurance services that should be undertaken to protect your family in the event of death or long-term illness, particularly of the main earner.

 

Transactional ServiceWe offer a transactional service for clients who are looking for advice on a specific aspect of their financial affairs. From a one-off piece of tax planning to a detailed pensions review, we tailor our service to fit your specific requirements.

No single part of an individual's finances stands in isolation, but if required we can focus only on a key area of concern.

Our Pension Audit can be particularly useful for those with a collection of pension policies or for those with concerns about the lifetime and annual allowances. The audit includes a detailed analysis of your current pensions in terms of their structure, how and when you might best take benefits from them and whether any improvements can be made. With frequent reductions in the lifetime and annual allowances it is becoming ever more important to ensure that limits are not breached, but also that you are making maximum use of the allowances available. A Protection Review can either focus wholly on inheritance tax or take in a wider review of all protection needs. We prepare a full estimate of any potential inheritance tax liability and offer a variety of solutions to reduce this

 

Ongoing Financial PlanningFinancial planning, by its very nature, is a continuing process, not a snapshot of a certain time.

The vast majority of our clients go on to enjoy the benefits of our ongoing service, which proactively aims to keep you on track to meet your goals. Our planners regularly address the issues first tackled in the initial review, examining whether your protection, tax optimization and investments are still suited to your requirements.

The service includes a six-monthly examination of your situation and the compilation of a report to show your progress and to suggest any alterations that need to be made. This keeps our planners up to date with your own specific needs, meaning they can respond quickly in between formal planning reviews should external circumstances (for example a change in the value of one of your major investments) require attention. Likewise, they are always on hand should you feel that you need to update your plan with any new information or goals.

 

Investment Management ServicesMBA Capital Limited does not offer investment products. We provide fully independent and objective investment advice on asset allocation, manager selection, portfolio construction, and portfolio management with a focus on the needs of individuals, families, and family foundations.

Our portfolio toolkit is deep, and our expertise extends across asset classes and to both traditional and alternative investment strategies. Additionally, for clients with an impact focus, we have a distinctive history in impact investing that includes regional and place-based investing.

The Human Aspect
At MBA Capital Limited, we consider the human element when designing your portfolio―which plays a vital role in managing behavioral risks, especially when momentum takes hold of the market in either direction. And while we apply discipline to our thinking, we are unconstrained and pay less attention to the label of an asset class or strategy and more attention to how it can complement the rest of the portfolio.

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Annual Review Service

 

  • A lighter touch service designed for those clients who only require an annual review of their financial plans. Each year we work with you to assess your financial position, offering high level guidance on matters such as pensions, tax planning, estate planning, savings, tax-efficient investing, life assurance and ill-health protection.

 

Perfomance & Reporting

 

  • When you ask us to invest your money, effective communication is important and we provide you with timely information. We believe in clear and straightforward reporting through regular portfolio valuations, which provide the information you want. You can ask us to email or post to you an up-to-date valuation at any time.We have invested in our ability to monitor how your investments perform. Sophisticated, market-leading software enables us to provide you with comprehensive performance data and portfolio information. Our systems also enable investment managers to manage tax issues that may arise in your portfolio and prepare the information needed for annual tax returns. We provide other information through various publications in print and emails. These include Investment Insights, which covers the main themes affecting today’s global economy and financial markets, and exploring broader issues relating to creating and growing wealth.

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