Business Details
29 Years
experience
Trusted Financial Advisers in Bath
Belgrave Asset Management has been delivering personalized financial solutions since 1997, combining over two decades of industry expertise with a client-centric approach. We specialize in bespoke asset management, comprehensive financial planning, and specialist services tailored to individual needs, ensuring trust and integrity remain central to every decision. Our team of seasoned professionals, including FCA-authorized advisers and tax specialists, provides strategic guidance on pensions, inheritance planning, and investment portfolios. With a focus on long-term client relationships, we balance market insights with individual risk profiles to optimize financial outcomes.Our commitment to excellence is demonstrated through our FCA regulation and continuous adaptation to evolving financial landscapes. We empower clients to navigate complex financial decisions with confidence, whether planning for retirement, managing wealth, or addressing specialist tax and trust requirements. Our operational headquarters in Bath serves as the foundation for delivering nationwide services, supported by a structured approach to investment management and ethical considerations.
Services
Portfolio Management
Financial Planning
Tax Planning
Pension Planning
Trust Management
Details
- Year established: 1997
Highlights and features
- We have over 25 years of experience in bespoke financial planning and asset management.
- Our team includes FCA-authorized advisers and specialist tax professionals.
- We provide personalized investment strategies aligned with individual risk profiles.
- We offer comprehensive pension and retirement planning services.
- We maintain FCA regulation and ethical investment practices.
Associations and certifications
- Financial Conduct Authority
Services
Portfolio Management
Our bespoke portfolio management service tailors investment strategies to individual client objectives, balancing risk and performance through continuous market monitoring. We offer ethical investment options and regular reporting, including quarterly valuations and market reviews. Clients benefit from personalized adjustments as market conditions and personal circumstances evolve.
Financial Planning
Comprehensive financial planning covers retirement income strategies, inheritance tax mitigation, and long-term care solutions. We assess clients' current and future financial situations to create holistic plans, incorporating pension reviews and tax-efficient wealth preservation techniques tailored to individual needs.
Specialist Services
We provide expert guidance on tax planning, divorce settlements, and trust management. Our services include capital gains tax calculations, pension fund protection during divorce, and trust establishment to preserve family wealth. We collaborate with legal professionals to ensure compliance and optimal outcomes.
Pension Planning
Our pension planning service offers advice on SIPP, SSAS, and stakeholder pensions, including consolidation of multiple plans. We help clients navigate retirement options like annuities and income drawdown, ensuring tax-efficient income streams while considering health and financial dependants.
Estate & Inheritance Planning
We specialize in minimizing inheritance tax liabilities through strategic estate planning. Services include will preparation, residential property nil rate band utilization, and trust establishment. Our approach ensures clients maximize tax-free asset transfers to beneficiaries while maintaining control over asset usage.
People
Michael Smith
Chairman
Founder of Belgrave with 25+ years' experience in financial services, specializing in private client investment advice, pension arrangements, and charity trusts. Previously worked as a national stockbroker's Sales Director.
Gemma Watson
Managing Director
Over 20 years in financial services, leading private client advice and pension strategy. Expertise in SIPPs, SSAS, retirement options, and corporate pension scheme establishment. Oversees strategic vision for financial planning.
Donna Parfitt
Operations Manager
Manages company finances and tax queries since 2001. AAT-qualified, she reviews business operations and supports directors in strategic decision-making while assisting with pension planning.
Maria Clifton
Head of Tax & Estate Planning
Specializes in holistic financial planning with expertise in family trusts, capital investments, and long-term wealth preservation. Member of the Private Client Advice Team since 2015, combining professional qualifications with industry experience.
Natasha Potter
Office Manager
Client liaison since 2008, ensuring client needs are met. Acts as first point of contact, applying systems expertise to enhance service delivery and operational procedures.
Questions
What financial services do you specialize in?
We specialize in portfolio management, pension planning, tax-efficient wealth preservation, trust management, and inheritance tax planning tailored to individual client needs.
How do you tailor financial advice to individual clients?
We conduct detailed 'Fact Find' assessments to understand personal circumstances, risk tolerance, and financial goals before creating bespoke investment and planning strategies.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorized and regulated by the Financial Conduct Authority (FCA) under reference number 410497.
Can you help with pension consolidation?
We review multiple pension plans to recommend consolidation into cost-effective solutions like SIPPs, ensuring optimal retirement income strategies.
Do you offer ethical investment options?
Yes, we provide ESG-screened funds avoiding unethical sectors while maintaining performance standards through best-in-class environmental and social criteria.
How do you approach inheritance tax planning?
We utilize residential property nil rate bands, trust structures, and strategic gifting to minimize liabilities while preserving family wealth for beneficiaries.
