How Total Wealth Management can support your financial goals

When life becomes more complex, the consequences of disconnected financial decisions grow. Planning for retirement in isolation from your investments can leave you exposed to unnecessary tax. Selling a business without a long-term strategy can mean holding too much risk, or too little. Even generous intentions around gifting can compromise your own future without a clear plan. When planning and investing are not aligned, opportunities can be missed and avoidable problems can arise. 

Total Wealth Management brings everything together. Instead of treating financial planning and investment management as separate conversations, it integrates them into one coordinated service focused on what you want to achieve, now and throughout your life.

Total Wealth Management offers one plan, one team and one unified view, with the focus always on your outcomes. 

One plan 

A joined-up wealth plan that reflects what matters most to you. It considers when you want to retire, how much income you will need, the support you want to give family, how you would like to structure your legacy and the life you want your wealth to enable. The aim is clarity: knowing what is possible and what trade-offs, if any, you need to make.

One team 

Your financial planner and investment manager work side by side. Decisions are made with full visibility of your goals, tax position, risk appetite and time horizons. This reduces friction and increases confidence that every recommendation is pulling in the same direction.

One view 

A clear, evolving picture of where you stand, what needs to happen next and how you are progressing. As your life changes with new priorities, responsibilities and opportunities, the service flexes with you. This is an ongoing partnership, regularly reviewing assumptions and keeping both your Total Wealth Plan and Signature Portfolio aligned, rather than a one-off exercise that risks becoming outdated.

Financial planning: clarity and confidence 

Your planner turns your goals into a structured roadmap. They prioritise what matters most to you, model different “what if?” scenarios such as retiring earlier or helping children financially and ensure your assets are positioned tax efficiently across pensions, individual savings accounts (ISAs) and other wrappers. This gives you a clear sense of what is achievable and when. Tax treatment depends on individual circumstances and is subject to change.

Investment management: purposeful portfolios 

Your investment manager builds and maintains the Signature Portfolio designed specifically to fund your plan. It reflects your time horizons, cash needs, risk tolerance and preferences, adjusting as markets and your circumstances evolve. While investing always carries risk and you may get back less than you invest, this approach ensures every investment decision links back to your long-term objectives.

Joined up decisions and debate 
You receive guidance on withdrawals, contributions and rebalancing your portfolio, all planned with tax, allowances and your cashflow needs in mind so your money works harder for you. 

Tax efficiency 
You’re informed about the right financial wrappers for you and how to sequence withdrawals effectively to help you keep more of what you earn. 

Agility when life changes 
The team can react quickly to new opportunities, family events or market shifts. 

Less administration 
You avoid duplicated conversations, repeated paperwork and unnecessary gaps between advice teams. 

Approaching retirement 

For clients beginning to think about stepping back, the service helps answer the big questions with confidence: Can I afford to retire earlier? How much income will I need? How do I structure withdrawals, so they are tax-efficient and sustainable? Your Total Wealth Plan and Signature Portfolio work together to ensure the right money is available at the right time. 

Selling a business or receiving significant liquidity 

For entrepreneurs and executives planning an exit, the service helps ring fence immediate cash needs, structure proceeds tax efficiently and transition from a concentrated position into a diversified, goal led investment strategy. It supports both the emotional and financial realities of a major life change. 

Supporting family and future generations 

Parents and grandparents often want to give without jeopardising their own security. The service helps you understand how much you can gift comfortably, the inheritance tax implications and how your portfolio can reflect your longer-term family priorities. For many families, the true priority is not just transferring wealth. It is providing opportunities for children and grandchildren while maintaining confidence that their own future is stable. Total Wealth Management balances generosity with long term resilience and reassurance. 

Planning for what is next 

Whether you are considering major life decisions such as a property move, a change of career, retirement, buying a business or moving on from a relationship the service ensures your plan and your investments remain coordinated, so each decision is taken with clarity, not compromise. 

Life does not always go to plan. Total Wealth Management gives you a team of specialists who collaborate every day, sharing insights and acting quickly when circumstances change. It is expert, coordinated advice delivered in an accessible way, always focused on the outcomes that matter most to you and the people you care about. 

Your next steps 

If you would like to discuss how Total Wealth Management could help you, you can speak to your usual Evelyn Partners contact, book an appointment, or call 020 7189 2400.