We understand that financial advice must suit a client's particular personal circumstances & objectives.


Key to the way we work is that we recognise every client is different but that from an investment perspective all our clients want their money to increase in value. Our investment approach is innovative yet it applies many common sense principles. 

We research extensively, building portfolios around best of breed fund managers and carefully considered client and investment risk. Our investment platform gives access to the whole market at institutional discounts, available on-line all day everyday. 

McLaren has vast experience of most financial and personal situations, advising on financial planning, tax, retirement strategies, pension planning, income protection and life cover amongst others. We also have a wealth of contacts in other areas too.

Some of our key areas of expertise are listed below. Click on the + for more detail. 

+ Financial planning

At McLaren we clearly distinguish between financial planning and investment. Generally every client’s financial plan is different whereas the discipline of investment can be uniform. In every situation we spend time getting to understand client needs and designing bespoke solutions, which can be fine-tuned ongoing.

Our highly qualified staff have wide ranging expertise but they also have a significant amount of skill in the understanding of clients needs and objectives so they can interpret where these fit into the UK's financial framework. We will always look to optimise the efficiencies that are afforded to differing tax structures in the UK, nevertheless we will not be provocative and firmly believe that if something looks too good to be true it generally is!

  • Retirement planning
    Whether saving for retirement or looking at the best way to access funds at retirement there is a minefield of things to consider and advice is essential. McLaren has a wealth of expertise in this area and can help construct the most appropriate and tax efficient solutions to meet individual needs.
  • Investment accumulation or protection
    Simply building a capital sum is difficult enough, preserving it and growing it can be a challenge. There are many solutions we can offer at McLaren to suit clients at any stage in their lives. Whether it is an inheritance, the sale of a business, reviewing an existing portfolio or on unexpected windfall, we can help provide a cohesive approach to protecting and increasing value.
  • Inheritance tax planning
    This represents the only tax that is legitimately avoidable with careful planning. We still find it amazing that so many of our prospective clients do not have a Will, let alone have made appropriate plans in the event of their deaths. With careful thought and some relatively straightforward planning liabilities in this area can be addressed.
  • School fees planning
    Privately educating children for many people is a major priority for which they sacrifice many other luxuries. At McLaren we recognise the veritable mountain that people climb in order to achieve this goal and can help with planning, advice and guidance on the most appropriate ways to meet these costs.
  • Protection
    If a client has debts, a family, regular outgoings or other liabilities, providing an efficient and cost effective solution to address these ongoing responsibilities properly is critical. At McLaren we can advise on every aspect of life insurance, critical illness, income replacement insurance or whole of life insurance to account for these eventualities.
  • Philanthropy
    Increasingly people want to give back, whether giving their time or their money. Indeed some find that a structured approach to giving their money away is more fulfilling than having the money in the first place. At McLaren we have expertise on how to donate efficiently or establish foundations to direct donations into projects tax efficiently and without involving expensively run charities.

+ Protection

Planning for the worst can be a morbid affair but imperative if clients have debt, a family or other responsibilities, or a liability for inheritance tax.

We can advise on all aspects of protection and will be able to immediately identify if cover is required. Additionally policies can change and become increasingly uncompetitive, especially if they have been bought directly. In this instance we can help and advise to suit your needs and importantly your budget and we use the latest technology to calculate the most tax efficient and cost effective solutions.
We can help in the following areas:

  • Life cover including Family protection, Term insurance and Whole of Life cover
  • Critical illness
  • Income protection
  • Corporate protection including Keyman cover
  • Shareholder & partnership protection

+ Debt management

Although we are not authorised to advise directly on the raising of residential finance, we do have many contacts in this area. Similarly, with commercial mortgages we can help introduce suitable partners to achieve your goals.

 

Past performance is not indicative of future results and no representation is made that results where stated, will be replicated. Investment values rise and fall and the value of them is not guaranteed. On encashment you may not get back the amount invested.