Services

Sulis Wealth exists to enable individuals and businesses to build their wealth, protect what matters to them and finance their companies. We provide services tailored to meet the specific and ever-changing financial risk exposure facing our clients. Our strength rests on the satisfaction of our clients and consistently producing superior and innovative finance solutions. We have considerable experience of helping companies and individuals secure their financial future.


Effective planning is the only way to ensure that clients personal and business goals are achieved. We offer truly personalised financial planning, from basic reviews to more complex appraisals. Our advice covers everything from retirement and investment planning to mortgages and protection. We also provide discretionary investment management services as well as wealth management services to private clients, other wealth professionals, pension funds and charities. You can be safe in the knowledge that we strive to find the best, most cost-effective solution for you.


Further information on our services can be found below:

One of the most challenging issues for business owners and directors currently seeking business loans, or other forms of funding, is the ability to source the most appropriate finance without losing control of their businesses. Pension-led funding provides a finance option that is very different from many other sources of finance by allowing the business owner, to exercise a level of control over their business finances that other finance options will not give. Added to this is the ability to boost the individuals net wealth by becoming, in effect, their own bank and rewarding themselves for this instead of a third-party funding provider. As no personal guarantees are required from any of the Directors this affords the SME owner real security in case of trading difficulties.


Business owners may have accumulated funds in a variety of pensions throughout their working life. These funds may be in the form of an occupational pension, or alternatively in some form of private pension. Pension-led finance can provide a simple answer to a complex question. Sulis Wealth can make pensions work harder for individuals and companies. This flexibility comes with additional and dramatic benefits. Pension-led finance does not require regular management accounts or onerous Personal Guarantees. A Small Self Administered Scheme (SSAS) is a pension Trust through which Directors and family can combine their pensions and use it to fund the business. Unlike a bank, as long as all HMRC rules are followed, a pension cannot say “no” to the sponsoring employer.


At Sulis Wealth we have creative ideas around the use of existing assets to fund the business. We try to look 'outside the box' for solutions that protect personal and business assets, as well as keeping the profits from commercial funding transactions 'in house'.


Sulis Wealth work with a number of traditional Banking, Invoice Discounting and Commercial Mortgage providers. We can provide a review service for existing arrangements to confirm they are appropriate, competitive and provide best value.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interests rates and tax legislation.

Some forms of Commercial Lending and Trusts advice are not regulated by the Financial Conduct Authority.

Having worked hard to build up an asset base, most individuals are keen to preserve their wealth, shelter it from tax, and pass it down the generations. With a thorough understanding of your objectives, we build a strategy designed to give the best chance of achieving these objectives. Success is dependent on regular reviews, when the programme can be adjusted to take into consideration liquidity, economic, market, and personal considerations. On occasion we work with specialist tax advisers and legal resources when establishing Trust arrangements are required.


Our aim is always to maximize returns and minimize risk from any investments held by Directors or individuals whether these are held in pension schemes, ISA’s, or any other allowable investment. We strive to locate the best most cost effective fund managers and constantly monitor and review to provide the best outcomes for the medium and long term.


We are often tasked with the reinvestment of client monies, either pension funds or a lump sum possibly arising from a business sale. We seek to deliver a successful investment experience via the capture of market returns, whilst keeping trading costs and expenses to an absolute minimum. The philosophy is to invest based on scientific principles, rather than speculate, stay disciplined, and thereby maximise the chances of achieving long term goals.


A SIPP (Self Invested Personal Pension) is one of the most tax-efficient ways of saving for retirement. Traditional pensions typically limit investment choice to a shorter list of funds, normally run by the pension company's own fund managers, however a SIPP lets clients invest in a wide range of different assets.

Investments - The value of units can fall as well as rise, and you may not get back all your original investment.

Trusts and Tax Planning advice are not regulated by the Financial Conduct Authority.

Corporation Tax, Income Tax, Capital Gains Tax and Inheritance Tax can all make a dramatic difference to your wealth, and the assets you are able to pass down the generations. Our in depth understanding of your requirements will help us to identify suitable products and strategies to mitigate your tax bill. Where appropriate we would refer you to a specialist, suitably qualified tax adviser. Taxation rules, rates and legislation change over time. Any benefit will depend on future circumstances and legislation.

Tax Planning advice is not regulated by the Financial Conduct Authority.

Protection covers a number of scenarios. It could be protecting one’s estate from Inheritance Tax, or protecting businesses from the loss of a key employee. There is also the issue of family protection, where an income has to be protected in the event of ill health or death. Protection is best described as putting the right amount of money in the right person’s hand at the right time. Regular reviews should be undertaken to ensure the amounts are relevant.

Inheritance Tax Planning advice is not regulated by the Financial Conduct Authority.

There are many different types of pensions form final salary schemes, defined contribution, SIPPs, SSAS etc Sulis Wealth have expertise in advising clients on all aspects of pensions including the provision of pension schemes for employees which is now mandated by the government.


The Government estimates that millions of people in the UK are currently not saving enough for their retirement. To help solve this problem the Government has introduced legislation that means every employer will have a duty to put a pension scheme in place. You will also have to automatically enrol certain workers into the scheme and make contributions on their behalf.


We can help you with this challenge. We offer a range of services which will help you to understand and prepare for automatic enrolment. By starting to plan now, we can help you to mitigate the costs and minimise the disruption to your business.


The good news is that with the right plan you can manage the process, your cash-flow, and continue to focus on your core business.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interests rates and tax legislation.

Auto Enrolment advice is not regulated by the Financial Conduct Authority.