Who We Are
Independent Financial Advisors
Estuary Wealth Management are Independent Financial Advisers specialising in Wealth Management, Pension Planning, Inheritance Tax Planning and Protection.
We recognise that individual wealth managers usually offer a restricted range of services and do not have a monopoly on investment performance. Consequently we aim to provide a tailored service based on our ‘whole of market’ proposition to deliver bespoke solutions from the best providers in the market.
John McGrath is our MD and has been advising City Executives, Professionals, Entrepreneurs and Retirees on their planning and wealth management needs for 30 years. John is a Chartered Fellow of the CISI and a Chartered Financial Planner with the CII.
Putting our clients firmly at the heart of everything we do enables us to run a genuinely client-focused business. In our experience, no two clients are the same and we therefore ensure that we understand your personal or business objectives and deliver solutions that are right for you.
We do not provide off the shelf solutions, but we offer the benefit of a single relationship for all of your financial planning needs. We strive to offer the very best service to develop a long term relationship with you.
How We Work
We put our clients at the very heart of all we do
What we DO
We offer a variety of services to our clients including
WEALTH MANAGEMENT
The full range of traditional and specialist investment solutions tailored to your individual requirements *
PENSION PLANNING
INHERITANCE PLANNING
SAVINGS AND INVESTMENTS
WILLS AND POWER OF ATTORNEY
MORTGAGES AND LOANS
EQUITY RELEASE
GENERAL INSURANCE
PROTECTION PLANNING
*The value of investments or income derived from them can decrease as well as increase and you may not get back the amount you invested
**Your home may be repossessed if you do not keep up repayments on your mortgage
***Wills and LPA are not regulated by the FCA
WEALTH MANAGEMENT
Estuary offer a ‘whole of market’ solution based on your individual circumstances, goals and aspirations, knowledge and risk appetite.
Providers are carefully selected based on strict criteria, including financial strength and security, as well as their long term investment performance and competitive charging structure.
We offer the whole range of solutions including bespoke discretionary portfolios, model portfolios, passive funds, enhanced passive funds, ethical funds, sustainable investing solutions and insurance based (with profits funds).
Structuring
To optimise tax efficiency we will consider structuring. This could include the use of ISA allowances, pension wrappers, on-shore and off-shore bonds, as well as more specialist strategies from our boutique options.
Boutique
We are able to source specialist solutions, which includes use of EIS (Enterprise Investment Scheme), VCT (Venture Capital Trust’s), BPR (Business Property Relief strategies) and Structured Products.
INHERITANCE TAX PLANNING
Estuary Wealth can guide you through the IHT maze and ensure that your arrangements are structured to optimise Inheritance Tax efficiency for your children and intended beneficiaries.
PROTECTION PLANNING
Estuary Wealth are able to consider all aspects of protection, including Life Cover, Income Protection, Critical Illness and Business Protection.
PENSION PLANNING
Estuary offer advice on both accumulation and at retirement and are able to advise you no matter what stage you have reached. We consider consolidation and transfer cases as well as taking over agency for existing arrangements.
We offer the whole range of solutions including PPP, SIPP, SASS and annuities.
FREE INITIAL CONSULTATION
We provide an initial consultation free of charge.
We are happy to work closely with your other financial professionals to ensure that we deliver the most appropriate solution for you.
Get in touch now for your initial consultation
Testimonials
What Clients Are Saying
“I have known John as a colleague and client for 20 years and three words I would use to sum him up, are Honesty, Integrity and Professionalism.
He goes out of his way to ensure the service he gives, is nothing less than impeccable.
I have recommended him to both friends, clients and family, and will continue to do so.”
Gerard Greenway
Banking Executive
“… in this super-charged world of online this and contactless that, it is comforting that the holistic approach to banking and investments has its place.
The meticulous John McGrath has been part of my family’s life for nearly twenty years. Trust is, of course, paramount when making the big decisions that affect the future of those that depend upon you and John’s depth of knowledge, immense experience and expertise gives reassurance: my funds being in the safest of hands. Thorough and excellent service, always available – invaluable!.”
Wealth Management Client
"John is very experienced and talented in his field. A very genuine guy and a trusted adviser."
Kevin Bray
Chartered Financial Planner
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To arrange a free consultation.
