Our
Services
Financial Advice for Everyone
Our Approach
At Ludice Wealth Management we recognise that every client is unique.
We understand priorities, goals and attitudes towards risk may change in fluctuating markets, whilst also varying depending on whether you are accumulating, preserving or wishing to take income from your investments.
As Independent Financial Advisers, we research and advise on products from the whole of the market providing you with the knowledge to reach the best possible solutions via informed decisions. We offer a full range of planning and investment advice to help you achieve your aspirations, whatever stage of your financial journey you are at.
From full financial reviews, analysis, planning of investments and cash flow to simple advice on how to take advantage of your tax allowances; you can be assured that our experienced team will use their experience and knowledge to achieve the optimum outcome for you.
We develop close, trusting relationships with all our clients. As part of the Ludice family, you are always fully informed and included in every step of your financial journey, ensuring you not only have the confidence to make decisions but most importantly still remain fully in control of your finances.
Our Services
Pension Planning
As pension specialists, we have the ability to advise on every type of pension on the market due to our long-standing relations with trusted partners. We are able to facilitate advice on Final Salary Pensions through our partner firm who are regulated and authorised to give advice on DB Schemes.
Taking a holistic approach to looking beyond just what your pension can provide, we undertake in-depth analysis on your cash flow projections throughout every stage of your retirement, providing innovative solutions to minimize tax contributions and therefore maximize returns.
Investments
We provide a full analysis of your assets, advising on a full range of investments and solutions tailored for you. With regular performance reviews, we help ensure your investment solutions are always performing at their optimum level within your agreed risk parameters.
Tax and Estate Planning
At Ludice, we provide advice to help you grow, protect and preserve your wealth so you can pass it on to your loved ones. We use a variety of government approved and tax advantaged schemes.
From Enterprise Investment Schemes, Venture Capital Trusts and Business Property Relief to trust planning, we can help to mitigate the effects of Income, Capital Gains and Inheritance Tax.
Not all Tax and Estate planning is regulated by the FCA.
Mortgages
We can advise on the suitability and help you to set up both residential and commercial mortgages as well as Buy-To-Let mortgages.
Commercial Buy to Let mortgages are not regulated by the FCA.
Wills, Probate and Power of Attorney
We offer a comprehensive range of estate planning, specialist tax and business succession planning advice and services and to provide the necessary personal legal documents for you to arrange your affairs effectively.
Wills, Probate and Power of Attorney services are not regulated by the FCA.
Equity Release
Whilst reviewing other financial assets, it may be possible to release some capital from your home, particularly if it has significantly increased in value to help fund your retirement or another project. We are able to advise whether equity release might be a suitable option for you to consider.
Please note, professional advice is essential; equity release isn’t the right solution for everyone as these schemes are expensive and inflexible. Releasing cash from your home reduces the value of your estate and the amount of inheritance you leave, so you should involve your children and dependants from the outset.
We also able to offer advice in the following areas:
- Life, Critical Illness and Income Protection
- Long Term Care Planning
- Cash flow Analysis
- Company scaled employee Retirement, Auto Enrolment and Life cover
In Addition
We offer a full range of Environmental, Social, and Governance (ESG) products that are constructed with MSCI ESG compliant funds that are all screened for performance, ESG profile and value for money characteristics.
ESG model portfolios provide broadly diversified, efficient portfolios that grow and preserve capital over the long-term by investing in assets with high ESG ratings.
Our name Ludice, recognises the importance of supporting underrepresented areas of society. Close to our hearts are the Performing Arts. We regularly sponsor concerts at the Pittville Pump Rooms and invite valued clients to join us.
In addition to our sponsorships, we are constantly seeking to reduce our environmental impact in the UK through all our business processes, we continually work to minimise our carbon footprint and increase sustainability.
Our Process
So that we fully understand your needs, we use a comprehensive planning process to ensure that we provide you with the best personalised solutions for your individual circumstances.
Initial Contact
Usually a phone call to take your basic details, together with a simple fact finding questionnaire and risk profile sent to you prior to the first meeting via an encrypted personal client portal.
First Meeting
An in-person discussion, ascertaining more in-depth detail and to discuss the initial questionnaire, your key objectives and attitude towards risk. All held at no cost to you.
Research of Solutions and Preparation of Recommendations
Based on our discussions and understanding of your objectives, our advisers will fully research the market and prepare a report of their recommended solutions for you. Conducted at no expense to you.
Recommendations and Suitability Report Meeting
In-person discussions to present and explain our solutions and to address any questions or concerns you may have. With your agreement, we proceed to the implementation of the recommendations and all associated administration and documentation. On your behalf, we make any investments and transfers that are required.
Regular Review
An annual in-person meeting to look at the performance and continued suitability of our solutions. You can opt of this service if required.