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Succession Planning

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Should you be succession planning?

Your business might be relatively new, but you should still be thinking about succession planning. It’s something that often gets left until the last minute – or isn’t done at all – and that can have a significant impact not just on the ongoing success of your business, but also on your family’s personal financial situation.

What is succession planning?

It’s basically a safety net for you, your business and the people who rely on it. Succession planning is often just thought of as ‘who takes over when I retire’ but there are other reasons why your role might need filling. The two most obvious are ill health or death. Neither are tempting subjects, but both could happen at any time – and everyone needs to be prepared for the possibility.

Why is it important?

Your business almost certainly ticks along nicely from day to day. Everyone has their position and role, and they rely on you for leadership, strategy, planning and consistency. It’s amazing how quickly this seemingly ordered existence can fall apart if you are no longer there to steer things. Other relationships in the business may be strained; people who think they should take over the business might be thwarted; and if you’re running a family business, personal relationships can easily get in the way.

That’s why it’s important to take the time to think seriously about what plans and processes would kick in with your business if you were to be incapacitated, take early retirement or need to leave the business for any other reason.

Taking the time to get it right

Your succession plan will depend on whether you are running a family business or a stand-alone business. You might also have to make different plans if you are in a partnership rather than a Limited business. That’s why it’s a good idea to get some independent advice. There are some key things to think about, whatever type of business you run:

Get started as soon as possible – the longer you leave it, the more tricky a succession plan may become. Even if you have only recently started your business, it’s worth thinking about your succession plan. It will help to keep your business running.
Include key people in the business – there should be no such thing as a secret succession plan. For a family business, talk to the relevant people to be clear about what you want to achieve and sort out who is able or willing to work with you to achieve those goals. And even if it’s not a family business – you will need to bring the right people along with you as you plan.
Think about what you want – if you are planning for early retirement, for example, do you still want to be able to take an income out of the business?
Have a robust business plan in place – apart from planning early retirement, you’re unlikely to know exactly when your succession plan will be needed. So you need to have a strong and practical business plan in place so that your business is in the best possible position at all times.

It can take a while to sort out a good succession plan. There are many variables to take into account, many people to involve and a potential range of business processes to put into place. At Switchfoot Wealth, we’ll work with your accountant and other advisers to make sure that your personal financial needs and wants are reflected in your succession planning, giving you peace of mind for yourself and your family.

Switchfoot Wealth Limited Independent Financial Adviser

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I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

SwitchFoot Wealth Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. SwitchFoot Wealth Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference number 808196.
Registered Address: 28 Upper Hale Road, Farnham, Surrey, GU9 0NS. Principal Office: 147 Frimley Road, Camberley, Surrey, GU15 2PS. Registered in England & Wales No.: 11220173.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Your Financial Freedom Plan

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Have you got a Financial Freedom plan?

When we speak to business owners about their long-term goals, we often hear the words ‘financial freedom’. Whether that’s paying off the mortgage, having enough pension and investments for early retirement, or being able to fulfil travel and leisure plans, these business owners all have one thing in common: they need the business to provide the funds.

It’s never too early to start planning

We’re firm believers in starting early. That’s because the sooner you start to make a financial plan that includes your business, the more likely you are to realise it. Many people spend their mid-working life devoting hours and hours to their businesses. What you really need is for your business to be devoting pounds and pounds to your bank account.

What is it that you want to achieve?

Buy your family’s forever home
Be mortgage free by a certain point
Take a sabbatical to travel, study or work on another business
Undertake a new build or significant renovation project while your business works for you
Make more tax-efficient savings and investment plans

How a financial plan can help

For business owners, a personal financial plan should also underpin any business decisions you make. After all, it’s your business that’s going to provide the financial freedom you need. So the two things will always work hand-in-hand, and that means you can take big strides in the growth and management of your business.

A plan will help you see how you can build your business to increase your income, build value for your exit strategy and use the proceeds to give yourself the lifestyle you really want. You can continue to work, of course, but you don’t have to – it’s a choice rather than a necessity.

Protecting yourself and your family

Owning a business is risky – as we’ve seen recently, it doesn’t matter how huge your business is, it can still go to the wall if it meets the wrong set of circumstances. So it makes sense to protect you, your shareholders and your family. Can your business run without you? Who would take over if you had to step aside? How would you meet your financial commitments or your lifestyle goals?

All these things are genuinely important, and too many business owners keep putting discussions to the bottom of the pile. But working on a wider financial plan means you will have the confidence to make key decisions about your business and your personal life. It means you’ll have a clear idea of what comes next and what you need to do. And it means you will be in control, with the backing of independent financial expertise behind you.

So, is this valuable to you?

If you think it would be valuable to create a road-map so that your business is working hard to support your personal financial goals, why not talk to us today? We can start to build your own personal financial plan and we’ll be with you every step of the way.

BOOK A DISCOVERY CALL

“

I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

SwitchFoot Wealth Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. SwitchFoot Wealth Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference number 808196.
Registered Address: 28 Upper Hale Road, Farnham, Surrey, GU9 0NS. Principal Office: 147 Frimley Road, Camberley, Surrey, GU15 2PS. Registered in England & Wales No.: 11220173.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Why make the switch to sustainable investing?

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There’s a growing move from both institutional and individual investors towards sustainable investing. Ethical considerations are becoming more important to investors of all types, and with the positive performance of many sustainable funds, these decisions are based not just on moral considerations but also on financial return.

What is sustainable investing?

Sustainable funds set their own individual criteria for investing, but in general they are looking at projects and businesses that are:

Committed to ethical and diversity-led employment and supplier policies.
Involved in relevant sectors, including renewable energy and climate control innovation.
Operating in line with the Sustainable Development Goals set out by the United Nations.
Transparent about processes and projects.

Fund managers in the UK are adding to their portfolios with dedicated ethical or sustainable funds, partly driven by the positive performance of companies that qualify for those funds, and partly by a growing demand from investors to move from more ‘traditional’ investments such as oil, gas and other fossil fuel companies to those that are actively working towards producing renewable and sustainable energy and related projects.

Traditional companies with ESG agendas

The swing towards sustainable investing is pushing more traditional companies to invest in – and prove they are committed to – Environmental, Social and Governance (ESG) agendas. Listed companies are expected to report on these issues whenever they issue results, and fund managers and analysts are increasingly favouring businesses who do so. When you are looking at companies for sustainable investment, it’s always worth checking their ESG criteria and activities, as that will give you a clear indication of how committed the business is to contributing to a better world.

A growing number of sustainable funds

According to Investment Week, 36% of UK equity or bond funds launched during 2020 are sustainable in some form. This means there is more choice in the market, giving investors more of a chance to move some investments to suitable sustainable funds, or place new investments into these vehicles. And, as investors continue to demand better behaviour and more responsible actions from the companies they invest in – and as they continue to vote with their feet by moving their investments out of funds they believe are unethical and towards investments that meet their own ideas of a responsible attitude, there are only likely to be more funds launched and more businesses looking to capture that market.

For the investor – institutional or individual – sustainable investing can bring good rewards and also ensures that you are investing in line with your own ethics. At Switchfoot Wealth, we believe in advising and investing ethically and responsibly, and helping our clients choose funds that reflect their own interests and beliefs.

The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

“

I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

SwitchFoot Wealth Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. SwitchFoot Wealth Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference number 808196.
Registered Address: 28 Upper Hale Road, Farnham, Surrey, GU9 0NS. Principal Office: 147 Frimley Road, Camberley, Surrey, GU15 2PS. Registered in England & Wales No.: 11220173.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Why choose a financial adviser who is a STEP member?

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Why choose a financial adviser who is a STEP member?

It can be tricky to choose a financial adviser – particularly if you are working through complex financial arrangements, hold a power of attorney, or are making more complicated plans around inheritance and succession planning. It’s obviously important to ensure that the adviser you choose to work with is suitably qualified for the type of financial planning you need, which is why memberships of bodies like STEP and SOLLA are important.

What is STEP?

STEP is the global professional association for practitioners who specialise in family inheritance and succession planning. Members are financial advisers, lawyers, accountants and other professionals who help individuals make the best plans for their future, and the criteria for membership is exacting, so you know that it is worth using someone who has taken the time to become a member. For individuals and families in Farnham for example, Sebastian Elwell from Switchfoot Wealth is the only financial adviser in the area who has STEP membership and a STEP Diploma in Advising Vulnerable Clients*.

Why should I look for a STEP member?

STEP members are experts in helping families plan for the future, often advising two or three generations at the same time, to ensure that everyone has the advice they need for a secure future for themselves, their children and their grandchildren.

In particular, STEP members can advise on inheritance planning, trusts and legacies, long-term care planning and charitable giving. Your advisers can work together – so your financial planning may impact on the conditions of your Will, for example. Or you may want to look at succession or exit planning for your business, and your financial adviser can work alongside your accountant, solicitor and tax specialist to ensure that all requirements are met.

Aligning our values

The STEP values are very clear:

Promote professional educational attainment.
Act transparently.
Uphold professional standards.
Serve our members, whatever their professional background, wherever based.
Recognise our responsibility to the public interest.

They align well with our own values, which are:

Being ethical
Being qualified
Being independent
Being technology smart
Being collaborative

As a STEP member, Sebastian must work to the organisation’s values and commit to upholding its high standards of competence and advice. Being a member of STEP means that the clients we give financial advice to in Farnham and the local area can be confident about the standard of advice and planning they receive, and that they are choosing a financial adviser who can work closely and comfortably with your other professional advisers.

You can find out more about STEP and what it means to be a member, or simply contact us today for an initial chat about the plans you need to make and how we can help.

*Source STEP Member directory October 2020

https://content.step.org/search/members/?f%5B0%5D=specialism%3AInvestment&f%5B1%5D=city%3AFarnham

“

I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

SwitchFoot Wealth Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. SwitchFoot Wealth Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference number 808196.
Registered Address: 28 Upper Hale Road, Farnham, Surrey, GU9 0NS. Principal Office: 147 Frimley Road, Camberley, Surrey, GU15 2PS. Registered in England & Wales No.: 11220173.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Collaboration: Cash Flow Planning & Business LPAs

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Collaboration: Cash Flow Planning & Business LPAs 3

This blog was first published by Voyant and the original article can be found on the following link: https://voyantblog.wordpress.com/2020/05/11/collaboration-cash-flow-planning-business-lpas/

It is reproduced in full here.

By Sebastian Elwell & Stewart Stretton-Hill TEP

Most business owners are likely to have a range of advisers, including accountants, solicitors and financial planners. It is easy for these advisers to work independently of each other, but the magic happens when they work together as a team.

In this article, we’ll provide a practical example of how a financial planner or accountant can collaborate with a solicitor to meet an important client planning need, the Business LPA. In fact, this article itself is a collaboration between a financial planner and solicitor.

It can be difficult for healthy clients to imagine being unable to make decisions for themselves. Even clients who are acting as attorneys for parents or are carers often think it won’t happen to me.

But drawing up a Lasting Power of Attorney is fundamental to good financial management and providing clients with the care they’ll need in difficult times. We must persuade clients to put one in place before it’s too late.

LPAS & Cashflow Planning

Cashflow planning is essential when talking to clients about the necessity of an LPA. Looking at their current and projected cashflow requirements gives you the opportunity to ask ‘what if?’

Through cashflow planning, clients can see just how much money they need in order to cover their living costs, and how those might increase if they need additional care. Add to that the question of who would manage their finances if they couldn’t do it anymore, and clients can start to see the downsides of not having an LPA.

How To Talk To LPAs During Cashflow Planning

Solicitors are the experts in LPAs, but financial planners and accountants can greatly benefit from reasonable working knowledge of LPAs. This way, they can ensure their clients are protected and that they position the referral correctly to initiate a collaboration rather than a simple hand off.

The best way to introduce LPAs into a cashflow conversation is to build the basic cashflow plan and then introduce realistic scenarios that would change the plan, such as:

How would you continue to pay the bills if you couldn’t work?
What if you ran up unexpected debts?
Do you have plans in place if you lost capacity as a result of an accident or illness?
What would you do if you had to give up work to care for your spouse, parent or child?
What might happen to your capital or assets if you hadn’t appointed anyone to look after them?

This is also an excellent opportunity to talk about safeguarding. Working age clients might not feel personally vulnerable, but they will be aware of the potential for someone to abuse a position of financial trust. Explain to your clients how to monitor and protect accounts, how they can bring fraudulent attorneys to account and how professionals like solicitors or accountants can keep an eye on their finances under an LPA.

Now that the client can see the need for the LPA and speaking to a solicitor, talk to them about the specific considerations the solicitor is likely to ask about. This will allow the client time to think about their situation ahead of the conversation with a solicitor.

Choosing An Attorney

Most clients will want a family member to act as their attorney. But they should understand the burden that being an attorney places on that family member. Running their own lives and the financial affairs of the donor can become a strain. While attorneys have an obligation to act in the best interests of their clients, even the most well-meaning people can lose sight of what ‘best interests’ means, interpreting it too widely or forgetting whose best interests they should have at heart.

There have been many cases before the Court of Protection where attorneys have deliberately or unwittingly abused or misused their powers. One family felt it appropriate to purchase themselves Rolex watches while leaving the donor £5 per week spending money [Re GM 2013]. Another attorney purchased a reptile farm with the donor’s funds thinking it was a sure-fire investment (it went bust) [Re Buckley 2013].

Professional Attorneys

Clients may shy away from the idea of appointing a professional attorney because of the cost. But professional attorneys are regulated and insured. Intuitively family members may feel certain about ‘best interests’ without realising it is a specific legal test, imposed by the Mental Capacity Act 2005 section 4. A professional attorney will be fully familiar with the best interests test, can act impartially and stand up to inappropriate demands or pressure from the donor’s family members.

As the famous quote by Red Adair goes, “If you think it’s expensive to hire a professional to do the job, wait until you hire an amateur.”

Business Lasting Powers of Attorney

For family business owners, putting in place an LPA is crucial. A family business is likely to be the client’s main source of income and will form a significant share of their retirement pot. Clients must understand the huge impact that loss or impairment of their mental capacity will have on the business. If the business cannot continue their income may dry up completely, decimating their financial security.

A Business LPA is as essential as key-man insurance.

If the client does not make a business LPA then a deputyship order may be unduly restrictive, making it hard for the deputy to run the business after the client has lost capacity. The deputy is usually a family member (often the spouse) of the individual. But does a family member have the right skills and expertise to successfully operate the business?

While it is technically possible for the Court of Protection to appoint two deputies (one for personal finances and the other to manage the business) this would be very unusual and add another layer of expense and reporting.

A business LPA is essentially no different than a normal LPA. The key difference is that a business LPA restricts the attorney’s authority so they may only deal with the individual’s business interests. The client can make a separate LPA enabling other attorneys to deal with their personal finances.

Clients must take proper advice from a legal professional specialising in mental capacity and later life issues when making a business LPA as there are a range of issues to consider:

Who would be best placed to manage the business?
Will the attorney be allowed to charge or draw a wage for their time in running the business?
Does the attorney have the necessary skills or qualifications to continue to run the business?
What obligations does the client owe to the business investors?
What instructions do the attorneys require?

Clients who own several businesses should consider making different LPAs for each business with separate instructions and guidance.

Does the legal structure of the business permit an attorney to act?

The underlying legal structure of the business may provide terms on what should happen if the owner loses capacity. For example, the model articles for companies provide that a director’s appointment is immediately terminated if they lose their mental capacity. This would mean an attorney cannot act on the individual’s behalf as they would no longer be a director. This could cause significant issues in the exercise of voting rights, placing the entire management of the business at risk. Plus, a draconian provision like this may leave the business open to a discrimination claim under the Equality Act.

Business Protection Insurance

The high-level conversation about business LPAs leads naturally to a conversation about

business protection insurance and ensuring the right assets are in the right hands with the right legal control at the right time.

A collaboration between professional advisers helps to deliver advice outcomes that clients will recognise and value and helps to cement your professional network.

About the authors –

Stewart Stretton-Hill TEP is a senior associate with Irwin Mitchell LLP. He qualified as a personal injury specialist in 2000 and acted on high value clinical negligence claims for children who sustained brain damage as a result of injury at birth. In 2007 he switched to private client specialising in advising on Court of Protection applications, powers of attorney and matters affecting elderly and vulnerable clients. Stewart is a member of STEP, Solicitors for the Elderly, and the Law Society Probate Section and is part of the firm’s internal Later Life team of specialist advisors.

Sebastian Elwell, FPFS TEP, specialises in providing joined-up advice across the professions. As an Independent Chartered Financial Planner, a Fellow of the Personal Finance Society, full member of STEP and accredited member of SOLLA he has worked with accountancy and legal professions to advise vulnerable clients for 15 years.

“

I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

SwitchFoot Wealth Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. SwitchFoot Wealth Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference number 808196.
Registered Address: 28 Upper Hale Road, Farnham, Surrey, GU9 0NS. Principal Office: 147 Frimley Road, Camberley, Surrey, GU15 2PS. Registered in England & Wales No.: 11220173.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

What is a financial plan and why business owners need one

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A personal financial plan is the foundation from which you build your business plan. Business owners need to know what they must achieve from their business to deliver the lifestyle they are seeking.

Caring for the Carers

Dec 5, 2022

If the health and well-being of the carer deteriorates, then what happens to be person being cared for?

A guide to investment strategies

Oct 11, 2021

There’s never a ‘one size fits all’ investment strategy. They way you plan your savings and investments depends on several factors,

Helping solicitors and deputies manage complex financial arrangements

Sep 2, 2021

If you have been appointed as an attorney or a deputy, you have a duty of care to manage your client’s financial arrangements to the benefit of either the client themselves or the beneficiaries of any trust, depending on circumstances.

“

I started Switchfoot Wealth to offer financial planning that matches the way we live and work today. Using the best technology and offering expertise gained through both formal qualifications and years of working closely with clients, we are bringing financial planning into the 21^st century, helping people, businesses and professional advisers make the most of their time and their money.

– Sebastian Ewell

Switchfoot Wealth Founder

Written by

Should you be succession planning?

What is succession planning?

Why is it important?

Taking the time to get it right

Read more about Switchfoot Wealth

Related Articles

Written by

Have you got a Financial Freedom plan?

It’s never too early to start planning

How a financial plan can help

Protecting yourself and your family

So, is this valuable to you?

Read more about Switchfoot Wealth

Related Articles

Written by

What is sustainable investing?

Traditional companies with ESG agendas

A growing number of sustainable funds

Read more about Switchfoot Wealth

Related Articles

Written by

Why choose a financial adviser who is a STEP member?

What is STEP?

Why should I look for a STEP member?

Aligning our values

Read more about Switchfoot Wealth

Related Articles

Written by

LPAS & Cashflow Planning

How To Talk To LPAs During Cashflow Planning

Choosing An Attorney

Professional Attorneys

Business Lasting Powers of Attorney

Business Protection Insurance

About the authors –

Read more about Switchfoot Wealth

Related Articles

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Related Articles

Read more about Switchfoot Wealth

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