Sable Wealth

SABLE WEALTH - Financial Advisor London

COMMITTED TO BRINGING A NEW ERA OF FINANCIAL SERVICES TO INDIVIDUALS & SMEs IN THE UK AND HAS FOCUSED EXPERIENCE IN ADVISING FOREIGN NATIONALS IN THE UK.

The individual circumstances of our clients, with respect to tax status, mobility and more specific outlook, require niche planning. We provide assistance enabling you to earn, save and invest your money as efficiently as possible. Our skills are uniquely positioned to cater for any requirements.

Few people become wealthy by accident.

Wealth creation is not only a function of earning power but rather the effective implementation of a clear strategy over time. Sable Wealth is committed to helping you develop and implement a wealth strategy in all phases of your earnings cycle. As part of this process we consider all aspects of your personal financial situation to ensure you maximise your financial opportunities while managing your risks. Creating a financial plan includes understanding your domicile and residence status, your risk profile, your mobility and flexibility requirements.  

What can we do for you?

  • Optimise your earnings through tax reduction.
  • Maximise the various UK tax breaks and allowances (ISAs, Pensions, Capital Gains etc).
  • Tailor a low cost diversified investment portfolio around your specific needs, incorporating a diversified set of assets classes (equity, bonds, property, hedge funds, commodities etc).
  • Help ‘Expats’ structure their individual finances to make full use of their mobility using the UKs very favourable non domicile tax status or future non resident planning.
  • For those with limited companies – optimise the way in which income is paid out and retained earnings are released.
  • Asset structuring for those moving back to their home country, particularly if intending to leave savings/investments in the UK.
  • Source mortgages for foreigners and individuals both in the UK and abroad with unique and unusual requirements.
  • Assess your individual insurance cover needs, taking into consideration cost, flexibility and mobility.
  • Create a full financial plan covering your short, medium and long term requirements.

more Our products & services in more detail

Investments

Sable provides investment advice across the spectrum, from pension planning to short term banking. We believe that superior long term returns are driven through asset allocation, eliminating tax, reducing costs and expertise in product solution.
  • Portfolio Planning: Using portfolio tools we will create an efficient risk/return portfolio and select specific funds to maximise returns. In addition we use fund supermarkets to reduce the cost of the portfolio, feeding back most of the upfront fees to you.
  • Funds: We select investments from a broad range of products spanning the asset classes including equity funds, bond funds, property funds, VCTs and hedge funds.
  • ISAs: We use ISA wrappers to invest your assets within a tax free environment, and other tax planning allowances or wrappers to reduce your overall potential tax liability.
  • Pensions: One of the most tax effective ways of building an investment portfolio for the long term is via a UK pension. We create investment portfolios within a pension product which will suit your flexibility, investment and cost profile.

Tax Planning

Most expatriates in the UK would probably be considered non-domiciled and/or are likely to become a future non-resident. This has the potential to provide unique tax planning advantages in areas not well marketed or understood. Sable specialises in this, particularly specific areas that enable wealth maximisation. Some of these include:
  1. Investing offshore
  2. Trust planning
  3. Inheritance Tax (IHT) planning
  4. Property investing structures

Owner/Directors of Limited Companies

Setting up and running your own company can be an effective way for many expats to operate in the UK. However the interaction between how the company is structured and the individual’s personal requirements, has tax implications which require unique advice. Sable can help with the following:
  • Structuring the manner in which earnings are paid out from the company, taking into account the various personal thresholds.
  • Strategies to boost the return on retained earnings.
  • The use of executive pensions to efficiently tax pay earnings out of companies.
  • Tax efficient release of retained earnings, particularly for those returning to their home countries.
  • Setting up professional indemnity insurance.

Mortgages

Foreigners often find it difficult to obtain a mortgage in the UK due to their different visa status, lack of credit history or earnings that include company dividends. Sable specialises in this particular area. More specifically we can assist with:
  • UK home and buy to let mortgages
  • Offshore mortgages for UK properties
  • Foreign mortgages for foreign properties
  • Sourcing property investments.

Life, Protection, Health and General Insurance

Our focus is on the unique insurance requirements of UK based foreigners and in particular their mobility. We advise on all the major insurance areas including: life cover, disability cover, private medical cover and general insurance.

We work on either a fee or commission basis, depending on which best suits your personal requirements.

Sable Private Wealth Management Ltd. No: 04305265 is authorised and regulated by the Financial Services Authority. The Financial Services Authority does not regulate all the services provided by Sable Wealth Management.

Sable Wealth - Your Financial Advisor London

wealth@sable-group.com

t: 0044 845 345 1633

strong and able