1 Coleshill Street,
Sutton Coldfield,
West Midlands,
B72 1SD

t: 0121 354 4034

e: info@opus-ifp.com

Our Services

We can help you to lead your desired lifestyle, both now and in the future.

Looking holistically at your whole life, we will explore the opportunities and possibilities available to you before building a bespoke lifestyle financial plan that will enable you to live the life you wish to lead.

With our wealth management expertise, we will ensure that your resources are protected and allocated to the right places, at the right times. Working in tandem, this will power the effectiveness of your financial plan.

We help business owners and senior management teams to protect the efficacy of their businesses, ensuring that they are able to reap the right rewards for their hard work through a number of processes and strategies.

Financial Planning

Lifestyle financial planning is the process of helping you to achieve and maintain the things that are important to you. Aligned to your aspirations for your life, your plan will be created to allow you to live the life you want to lead, without financial fear.

The creation of your bespoke financial plan will give you a solid blueprint for your financial life, which can work in tandem with other services and products to maximise the effectiveness and efficiency of you achieving your aspirations.

Wealth Management

Wealth Management is the ‘engine’ that drives your financial plan. It is the process of aligning your resources to your goals, to ensure you are able to live the life you wish to lead.

This applies both while you are accumulating wealth and also while you are spending what you have put aside to pay for the things that are important to you.

Overspending, poor investment performance, or other factors entirely out-with our control can all too easily threaten your money. To keep your coffers full, therefore, we work with you to set clear, detailed spending strategies and recommend appropriate investments to support your plan.

Once implemented, we review these at our forward-planning meetings to make adjustments if needed to ensure you stay on track to achieve your goals.

Wealth Management

Wealth Management is the ‘engine’ that drives your financial plan. It is the process of aligning your resources to your goals, to ensure you are able to live the life you wish to lead.

This applies both while you are accumulating wealth and also while you are spending what you have put aside to pay for the things that are important to you.

Overspending, poor investment performance, or other factors entirely out-with our control can all too easily threaten your money. To keep your coffers full, therefore, we work with you to set clear, detailed spending strategies and recommend appropriate investments to support your plan.

Once implemented, we review these at our forward-planning meetings to make adjustments if needed to ensure you stay on track to achieve your goals.

Mortgage Strategy

Mortgage Lending is part of a broader financial strategy, which helps people to live in the home they want, in a way which fits in with their broader financial plans.

Sometimes it enables people to borrow a little more for home improvements, to buy a holiday home, to start a buy-to-let project, or to consolidate debt.

Our in-house specialists find the best mortgage, which is both aligned to our clients’ wider lifetime financial goals whilst remaining sustainable and affordable.

Mortgage Strategy

Mortgage Lending is part of a broader financial strategy, which helps people to live in the home they want, in a way which fits in with their broader financial plans.

Sometimes it enables people to borrow a little more for home improvements, to buy a holiday home, to start a buy-to-let project, or to consolidate debt.

Our in-house specialists find the best mortgage, which is both aligned to our clients’ wider lifetime financial goals whilst remaining sustainable and affordable.

Retirement Planning

To secure the retirement that you wish to lead, proactive planning is essential.

Working with you, we will gain a deep understanding of what your desired retirement looks like. From this exploration, we will be well-positioned to support you with identifying how much is ‘enough’ money and the level of resilience that you will need to prepare for life’s ‘what if’ scenarios.

We can help you to understand your current financial profile, how much money you will need to lead your desired retirement and when would be best to retire in line with your aspirations.

Retirement Planning

To secure the retirement that you wish to lead, proactive planning is essential.

Working with you, we will gain a deep understanding of what your desired retirement looks like. From this exploration, we will be well-positioned to support you with identifying how much is ‘enough’ money and the level of resilience that you will need to prepare for life’s ‘what if’ scenarios.

We can help you to understand your current financial profile, how much money you will need to lead your desired retirement and when would be best to retire in line with your aspirations.

Estate Planning

Leaving a legacy is powerful; it can help the next generation to achieve their financial goals, or it could be that you wish to give back to your local community or to a charity that’s close to your heart.

Structure is key to ensure that you have full control over who gets what and when, although this is more easily said than done.

We will work with you to understand your exact wishes. Through forward-planning, we can ensure that your legacy goes where it is needed, at the right time, with minimum hassle.

Working proactively, we can help you to ensure that your legacy is left as you intend.

Estate Planning

Leaving a legacy is powerful; it can help the next generation to achieve their financial goals, or it could be that you wish to give back to your local community or to a charity that’s close to your heart.

Structure is key to ensure that you have full control over who gets what and when, although this is more easily said than done.

We will work with you to understand your exact wishes. Through forward-planning, we can ensure that your legacy goes where it is needed, at the right time, with minimum hassle.

Working proactively, we can help you to ensure that your legacy is left as you intend.

Wealth & Investment Management

We will only make investment recommendations that are straightforward and clearly aligned to the things you hope to achieve in your life.

To give your money the best potential to grow over time, combining a solid financial plan with expert investment management and financial advice is vital.

By tailoring a range of financial products and strategies to suit your requirements, we will be able to power and protect your financial plan. With our strategic guidance and expert advice, you will have financial peace of mind, knowing that we are truly protecting your best interests at all times.

 

Appropriate Investments

With a vast number of investment opportunities available, we use our expertise and sophisticated analysis tools to select the most broadly suitable for our clients’ varying scenarios.

From this refined pool, we then make personal recommendations that are best suited to each client’s needs. This process has a number of considerations that we will make, including the timescale of investments, your experience of investing, your need for income or growth and your ability to withstand financial shocks.

Appropriate Investments

With a vast number of investment opportunities available, we use our expertise and sophisticated analysis tools to select the most broadly suitable for our clients’ varying scenarios.

From this refined pool, we then make personal recommendations that are best suited to each client’s needs. This process has a number of considerations that we will make, including the timescale of investments, your experience of investing, your need for income or growth and your ability to withstand financial shocks.

Return on Investments

The cost of investments and the products in which they are held varies widely. In a low-return environment, cost plays a huge role in the performance of an investment.

Protecting your best interests, we focus heavily on cost and what you will get in return.

This process can save you a sizeable amount of money each year – simply by driving down the cost of your investments – and this money will remain in your pot.

Return on Investments

The cost of investments and the products in which they are held varies widely. In a low-return environment, cost plays a huge role in the performance of an investment.

Protecting your best interests, we focus heavily on cost and what you will get in return.

This process can save you a sizeable amount of money each year – simply by driving down the cost of your investments – and this money will remain in your pot.

Increasing Your Resilience

The investment landscape means that at some point, you may experience the inevitable ups and downs that have become synonymous with investing.

While this is to be expected, our expertise can help you to mitigate any known risks, and we will ensure that you are prepared and able to weather the investment storm.

Investing is a long-term exercise – with Opus, you can be confident that we will remain on your journey with you, helping you to remain calm and make decisions that are rational, considered and in line with your wider lifestyle aspirations.

Increasing Your Resilience

The investment landscape means that at some point, you may experience the inevitable ups and downs that have become synonymous with investing.

While this is to be expected, our expertise can help you to mitigate any known risks, and we will ensure that you are prepared and able to weather the investment storm.

Investing is a long-term exercise – with Opus, you can be confident that we will remain on your journey with you, helping you to remain calm and make decisions that are rational, considered and in line with your wider lifestyle aspirations.

Investment Reviews

It is important to make sure that the investments you hold will remain suitable as time goes on. If not, this can have a negative impact on their ability to perform.

To ensure that your investments are aligned to your aspirations, we hold regular investment reviews and we will advise on whether any adjustments need to be made.

We stay on your investment journey with you, guiding you towards your long-term and short-term goals.

Investment Reviews

It is important to make sure that the investments you hold will remain suitable as time goes on. If not, this can have a negative impact on their ability to perform.

To ensure that your investments are aligned to your aspirations, we hold regular investment reviews and we will advise on whether any adjustments need to be made.

We stay on your investment journey with you, guiding you towards your long-term and short-term goals.

Business services

With our business-specific knowledge and expertise, we understand the planning needs of firms like yours. We work closely with many business owners just like you, not just on their own personal affairs, but also on the financial planning needs of their businesses. This can range from protecting shareholders and their families and covering the loss of key employees to setting up pension schemes and other workplace employee benefits, for example private medical cover.

Our approach to business services is professional, trusting and highly responsive. We work hard to understand our clients’ key needs and our recommendations are based on each client’s business requirements.

Business Funding

Working closely with our carefully selected specialist partner, we are able to help businesses just like yours to access funding in various and innovative ways.

Combining our strengths, we offer a versatile and progressive approach that has helped many of our corporate clients to acquire additional business funding.

From accelerating growth to building up financial resilience, business funding can be used to actualise your ambitions for your business.

Business Funding

Working closely with our carefully selected specialist partner, we are able to help businesses just like yours to access funding in various and innovative ways.

Combining our strengths, we offer a versatile and progressive approach that has helped many of our corporate clients to acquire additional business funding.

From accelerating growth to building up financial resilience, business funding can be used to actualise your ambitions for your business.

Business Pensions

At Opus, we believe that a pension is a very powerful tool that can be used within a business to achieve a number of benefits, including tax-efficiently extracting capital from the firm into your own personal wealth.

Pensions can also be used in a variety of innovative ways; for example, pensions can be used to provide the property needed to house, run and grow your business, all within a very tax-efficient environment.

Working collaboratively, we will use our expertise to ascertain how you can maximise the effectiveness of business pensions.

Business Pensions

At Opus, we believe that a pension is a very powerful tool that can be used within a business to achieve a number of benefits, including tax-efficiently extracting capital from the firm into your own personal wealth.

Pensions can also be used in a variety of innovative ways; for example, pensions can be used to provide the property needed to house, run and grow your business, all within a very tax-efficient environment.

Working collaboratively, we will use our expertise to ascertain how you can maximise the effectiveness of business pensions.

Protecting Your Firm

There are a number of steps that can be taken to protect your business. Key considerations include the succession of shares if a stakeholder were to die, what would happen to your business if you died and the impact that the loss of key personnel could have on your firm.

We can help you to mitigate against these risks, ensuring that your business remains in the hands of people who share your vision for the future and the integrity of your firm.

Protecting Your Firm

There are a number of steps that can be taken to protect your business. Key considerations include the succession of shares if a stakeholder were to die, what would happen to your business if you died and the impact that the loss of key personnel could have on your firm.

We can help you to mitigate against these risks, ensuring that your business remains in the hands of people who share your vision for the future and the integrity of your firm.

Exit Strategies

Exit strategies play a vital role in succession planning, and they can help to ensure that your business remains viable once you decide to step away from your firm.

There is no one-size-fits-all approach to exit strategies, and we will work closely with you to gain a rich understanding of your aims and aspirations before making any recommendations.

The most successful exit strategies require proactive planning, and this process can save you a significant amount of money further down the line in additional costs and taxes.

Working closely with well-known and established accountancy practices, we combine our skills and knowledge to help business owners to implement the best exit strategy in line with what is best for them, their families and their business.

Exit Strategies

Exit strategies play a vital role in succession planning, and they can help to ensure that your business remains viable once you decide to step away from your firm.

There is no one-size-fits-all approach to exit strategies, and we will work closely with you to gain a rich understanding of your aims and aspirations before making any recommendations.

The most successful exit strategies require proactive planning, and this process can save you a significant amount of money further down the line in additional costs and taxes.

Working closely with well-known and established accountancy practices, we combine our skills and knowledge to help business owners to implement the best exit strategy in line with what is best for them, their families and their business.

Contact Opus

To arrange an appointment, please complete your details here and a member of our team will be in touch.

Incorporated in the United Kingdom and registered in England and Wales. Registered no. 07304649. Registered office: 1 Coleshill Street, Sutton Coldfield, West Midlands, B72 1SD. Authorised and regulated by the Financial Conduct Authority