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Elements of financial planning

We take a comprehensive approach to building a financial plan and take into account your current and future circumstances. These are a few of the elements we consider
essential for effective financial planning.

Investment management

Investing your money is an important aspect of any financial planning process. However, it can be a daunting prospect, particularly if you have limited experience. Managing investments requires a detailed understanding of portfolio theory, economics and tools of the trade such as funds and investment platforms. The construction and ongoing management of a portfolio requires significant time investments in research and analysis. 

Here at Sable International, we have taken the time to investigate and construct investment portfolios suited to all levels of risk and investment time horizons. As a result of this, we have the capacity to take the burden of the investment management process away from you, offering you peace of mind that your wealth will be managed effectively.

Mortgage advice and debt management

We have a team of fully qualified and experienced mortgage advisers, covering both simple and complex mortgage cases. Having a mortgage adviser who has in-depth knowledge of your overall financial position presents a unique service offering. 

In addition to this, our mortgage advisers cover "whole of market". As a result, each mortgage case is researched on an individual basis to ensure not only the best price, but also that the type of mortgage is best suited to individual circumstances.

Estate planning

Leaving your wealth to loved ones is one of the greatest lasting legacies to provide. 

Inheritance Tax (IHT) rules consider all wealth over the nil rate band of £325,000 to be taxable at 40%. However, as advisers, we consider IHT to be an avoidable tax where proper financial planning is in place.

We are able to assist with this process through a number of tax-efficient vehicles and investment structures. These can include tax-privileged investments such as Business Property ReliefVenture Capital Trusts and Enterprise Investment Schemes

Further to this, our in-house solicitor can ensure that your will correctly reflects your current wishes and takes into account the relevant IHT planning implications.

Contact our wealth team

South Africa

Cape Town

Regent Square
Doncaster Road
Kenilworth 7708 +27 (0) 21 657 2120

Durban

201 The Annex
Ridgeside Office Park
Umhlanga +27 (0) 31 536 8843

United Kingdom

London

Castlewood House
77/91 New Oxford Street
WC1A 1DG +44 (0) 20 7759 7514

Croydon

5-7 Selsdon Road
South Croydon
CR2 6PU +44 (0) 20 7759 7581

Australia

Melbourne

9 Yarra Street
South Yarra
VIC 3141 +613 (0) 8651 4500

Sable International is a trading name of 1st Contact Money Limited (company number 7070528) registered in England and Wales. Sable International is authorised and regulated by the Financial Conduct Authority in the UK (FCA no. 517570), the Financial Services Board in South Africa (FSP no. 41900) and holds an Australian Financial Services License issued by ASIC to deal in foreign exchange (AFS License number 335 126).

Our United Kingdom business, Sable Private Wealth Management Ltd, is authorised and regulated by the Financial Conduct Authority. Our Companies House registration number is 222501. Our authorisation can be checked on the FCA register here: www.fsa.gov.uk/register/home. Our South African business, Sable Private Wealth (Pty) Ltd, is an authorised FSP, regulated by the Financial Services Board under licence number 48122.

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