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Stephens Fund Management Ltd is the discretionary fund management arm of FW Stephens, a financial consulting group. Working within our client focused Whole Life Vision™ concept, our specialist fund managers create and maintain investment models to provide a bespoke service for larger portfolios. This is particularly suited to the needs of high net worth individuals at any stage of their Whole Life Vision™.
The diagram on the next page illustrates our process and highlights the important features that clients value. Our objective is to optimise the post tax return for our clients through the use of tax effective structures. We reduce risk by allocating the portfolio across different asset classes, such as equities and bonds. The outcome of this process has been the development of nine investment models that may be blended to suit individual requirements.
Our clients value discretionary investment management, as not only does it enable them to take advantage of investment opportunities as they arise, but it also affords an administrative ease that reduces their involvement in the detail of individual transactions.
For some years, we have seen clients decide to move abroad upon reaching retirement. Departure from the UK can offer significant tax opportunities and advantages, particularly if it is properly planned. Our investment models are easily flexed to take advantage of tax regimes both in the UK and overseas, whilst our international office in Milan provides a personal service to clients resident in mainland Europe.
One outcome of our tax considered investment strategy is that we have become experts in the management of pension funds in drawdown. Since the introduction of legislation in 1994, we have constructed drawdown portfolios for our clients and have extended this expertise to incorporate similar tax effective income drawdown from ISAs and offshore bond funds.
In all cases regular reports and reviews allow our clients to keep in touch with the performance of their investments, whilst close liaison with FW Stephens tax specialists provides further opportunities to mitigate income and capital taxes.
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