Financial planning

The value of having a plan is to know where you are in relation to where you want to be. Financial freedom is one of the key destinations in life that we all work hard to get to; it is the point at which your assets free you from work - giving you options and choices.

Black Swan Financial Management’s Financial Freedom service is a complete financial planning service. Taking a holistic approach we set out the best way for you to achieve financial freedom, commonly recommending tax efficient strategies and underpinning your journey with products to protect you and your family. 

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Financial Planning

retirement planning

The choices you make at retirement will affect the way you live the rest of your life, and with luck, this could be thirty to forty years. Whilst it would be ideal to have an inflation-linked pension, paying enough each month to provide for the lifestyle you want, life is rarely like this and compromises need to be made.

At Black Swan Financial Management we will guide you through your retirement income choices, explaining the merits of each and putting monetary values on the relevant options. By taking this approach to retirement planning you can be confident you are making the right choices.

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inheritance tax planning

In 1789 Benjamin Franklin wrote: “In this world nothing can be said to be certain, except death and taxes”. Whilst nobody likes the idea of their family losing up to 40% of their money to taxes, that’s what could happen.

There are ways to limit exposure to inheritance tax, including making outright gifts, holding assets qualifying for relief, using insurance contracts and setting up Trust arrangements. Although it is certain that we must pay tax, with the help of Black Swan Financial Management you can reduce the amount.

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Black Swan Financial Management Limited is authorised and regulated by the Financial Conduct Authority (466128). The Financial Conduct Authority does not regulate tax or legal advice.

The information contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

If you have a complaint relating to products or services bought from us online, you may refer your complaint to the online dispute resolution (ODR) platform at  

Black Swan Financial Management Limited is registered in England and Wales (6002491) at White Hart House, Silwood Road, Ascot, SL5 0PY.