People seek advice from us for a variety of reasons – they may be wondering if they have saved enough to retire now, they may want to start helping their children and grandchildren, or they may have started a family and want to ensure they have a plan in place for their children’s future.
Our clients are mainly made up of individuals and families, typically – but not exclusively – current or former business owners or company executives. A large proportion of our clients are approaching retirement or in retirement, secure in the knowledge that we are managing their retirement income needs.
Many of our individual clients have developed into family clients over the years. For example, grandparents making gifts to their children and grandchildren, transforming the relationship into one of succession planning for a family.
We also advise people with complex and technical tax enquiries such as lifetime allowance and annual allowance pension issues, trusts and gifts to mitigate Inheritance Tax.
The types of questions we answer for our clients are as follows:
- How much money do I need to retire?
- When can I retire?
- Can I afford to help my children and their children financially?
- Will my finances be taken care of for my family if something happens to me?
- How can I reduce tax with careful planning – Inheritance Tax, Income Tax, Capital Gains Tax?
- How do I convert my pension, investment and other assets into a tax efficient and sustainable income?
We have been clients of PR&W since its inception. In my estimation, David and Peter have formed a formidable partnership, surrounded with very formidable and capable staff. I believe that PR&W represent a very safe pair of hands. I am happy and confident to recommend PR&W.
Peter Ruddy has magnificently managed not only my investments but those of my family and friends. I can’t recommend Penney, Ruddy and Winter and their amazing, helpful employees more highly.
Peter and David advise all the family. Regular meetings are always informative and clear. I have no hesitation in recommending PR&W to anyone who is looking for a first class service from an IFA. I doubt that you will find better.
I was introduced to PR&W while living in Australia. My requirements were quite detailed and complicated by having assets in several jurisdictions. Within 12 months of returning, our family’s financial affairs had been satisfactorily addressed and in good administrative hands.
As it is nearly five years since Sheila and I placed our investments into the hands of PR&W we want you to know how pleased and impressed we have been with the service and advice we have received both from you Peter and all at head office.
I have been working with Peter Ruddy for many years. To me, PR&W are more than financial planners, they go above and beyond that to make every client feel important no matter how much you are investing. I would highly recommend Penney, Ruddy and Winter to handle your finances.
The level of expertise, professionalism and care that you and your staff at PR&W have provided has been of the highest level. Whenever we have sought to invest or to move investments you have provided detailed options for us to consider and after that consideration you have implemented our wishes.