About You


Strong Evidence + Sound Ethics + Pragmatic Implementation = Good Client Outcomes 

We customise our services to high net worth individuals at various phases of life. Generally we find we work best with the following types of individuals:



Accumulator


Struggling Through the Best Days of Your Life :-)

Accumulator clients are in the growth stage of their lives. If you are an accumulator you’re likely to be below the age of 50, possibly with minor children and what feels like a large mortgage. Your financial concerns may sound like this: 


  • Worried about paying off the mortgage
  • Wondering if you can afford private school or not
  • Thinking about the cost of university fees
  • Trying to balance time off and holidays with future goals such as those above
  • Worrying about if you’ve got enough insurance to protect the family but not wanting to spend any more on premiums


The above are all common concerns for young families juggling careers and family.



Peak Earner


Close to the Summit Starting to Take in the View

Career earnings usually peak somewhere between age 55 and 65. If you are a peak earner, your financial concerns may sound like this: 


  • Concerned about pension savings 
  • Interested to know how much you need in savings to be able to retire
  • Wondering if it’s best to prioritise pensions or repayment of debt? 
  • Wondering if you should pay for your children’s university fees or get them to take a student loan
  • Interested to know what age looks like a viable retirement date. 
  • Worried about a scattered list of investment accounts and pensions and how to consolidate them. 



At Retirement


Looking back While Looking Forward

The 3 to 5 year period approaching retirement can be a difficult period for many where significant financial decisions are needing to made on what is often uncertain or limited information. If you are ‘At Retirement’ your financial concerns may sound like this: 


  • Concerned about scattered list of pensions and how to consolidate them
  • Interested to know how much you need saved to be able to retire
  • Concerned about current levels of income tax being paid
  • Wondering about how best to draw income in retirement 
  • Wondering how to manage inheritance tax across your estate 
  • Having to make decisions about pension retirement dates and defined benefit pensions (commonly known as final salary)
  • Concerned about your investments and a market crash before retirement. 


The Financial Conduct Authority does not regulate tax advice.

In Retirement


New Priorities, New Horizons

The age range for those in retirement is the widest of all the client groups with retirees being aged anything from 55 to 90 or more if they are lucky! We find a wide range of different objectives and financial goals in retirement. If you are retired and drawing on your pensions or savings your financial concerns may sound like this: 


  • How do I know if my investments will allow me to draw my current level of income? 
  • If I live longer than expected will I be able to have sufficient income? 
  • Can I afford long term care? 
  • How do I ensure my legacy is not fully subject to Inheritance tax? 
  • My asset base has become complex and expensive. Where do I go from here? 
  • What assets should I gift to my children and when? 
  • Who can I trust? 


UK resident non-domiciles


New World, New opportunities, Simplifying the Complicated

Silverhall Wealth specialises in the needs and complexities that face new arrivals to the UK who are Non-domiciles. Non-domicile clients can be in any age group and can be income rich and asset poor or retired with considerable offshore assets. This group may have financial concerns that sound like this: 


  • I’m going to be working in London for a number of years before returning home. Should I invest here and start a pension? What do I do with my offshore assets or income? 
  • I am moving to the UK. When does my tax residency move from my previous country to the UK and how do I plan my tax affairs? What do I do with my offshore assets? 
  • I’ve been in the UK for a number of years and the 'non-dom' rules are changing. How does this affect me and my offshore vs onshore assets? 


The Financial Conduct Authority does not regulate tax advice.


A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

The Financial Conduct Authority does not regulate tax and estate planning.


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