​​FINANCIAL PLANNING

Services

Independent advice means solutions tailored to individual needs—not limited by products, platforms, or providers. CMM Wealth Management offers comprehensive financial planning and wealth management services designed to support clients through every stage of life.

Retirement Planning

Build confidence in your future with a retirement strategy that aligns with your lifestyle goals. Services include pension reviews, consolidation, income drawdown strategies, and tax-efficient planning for life after work.

Investment Management

​Access whole-of-market investment solutions based on your risk tolerance, time horizon, and personal values. Portfolios are constructed with care and reviewed regularly to help you stay on track.

Estate & Inheritance Tax Planning

Protect what matters and plan your legacy. Explore options to reduce inheritance tax, use trusts effectively, and ensure wealth passes efficiently to the next generation.

Protection Planning

Prepare for life’s uncertainties. Advice includes life cover, critical illness insurance, income protection, and solutions for business continuity and family financial security.

Tax-Efficient Strategies

Make the most of available allowances and opportunities to minimise unnecessary tax. Services cover income, capital gains, and estate tax considerations, integrated into your broader financial plan.

Planning for Business Owners

​Independent guidance tailored to the needs of entrepreneurs and company directors—from extracting profits tax-efficiently to planning a smooth business exit or succession.

Lifestyle Financial Planning

Understand your financial future with personalised cashflow forecasting and lifetime modelling. Visualise how today’s decisions impact tomorrow’s outcomes, from education costs to early retirement.

The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of the future performance. Tax treatment is based on individual’s unique circumstances.