Frequently Asked Questions

At Oculus, we offer a comprehensive suite of services to manage, protect, and grow your wealth:

Personalised Financial Planning: Tailored strategies based on your income, assets, liabilities, risk tolerance, and goals.

Investment Management: Bespoke portfolios with access to institutional-class funds and private investments.

Tax Optimisation: Strategies to minimise tax liabilities and enhance wealth retention.

Wealth Succession and Estate Planning: Tailored plans to transfer assets smoothly to the next generation.

Retirement and Insurance Solutions: Securing your future with income and protection strategies.

Family Governance and Wealth Education: Preparing the next generation for responsible stewardship.

Our holistic approach ensures every aspect of your financial life aligns with your vision.

We charge for our services through management fees based on a percentage of assets under management (AUM). Our fees typically range from 0.75% to 0.45%, depending on the size and complexity of your portfolio. For example, a £1 million portfolio might incur an annual fee of £6,500 at 0.65%.

Our charges are structured into three categories:

• Initial charges: These cover the upfront costs of our services, such as creating your personalised financial plan. We offer various service levels to meet your needs, from comprehensive planning to focused advice on specific areas like retirement or tax optimisation.

• Ongoing charges: Once your financial plan is in place, our ongoing services ensure it remains aligned with your evolving circumstances. This includes regular portfolio reviews, rebalancing, and adjustments to your strategy as needed.

• Other charges: Depending on the investments or services you choose, additional costs may apply, such as transaction fees, custody fees, or taxes. We will always inform you of these charges before proceeding.

Before we begin any work, we will agree on all charges and fees with you, providing a clear breakdown in pounds and pence. We’ll also explain your payment options and notify you if any charges are subject to VAT. Additionally, you’ll receive an annual statement detailing all costs and charges deducted from your account.

Our transparent, fee-only model ensures that our interests are fully aligned with yours. By not earning commissions, we guarantee that our advice is unbiased and focused solely on achieving your financial goals.

We’re committed to complete transparency about our fees and are happy to discuss our charge structure in detail to ensure you’re comfortable before we start working together.

We demonstrate value through:

• Net performance after fees.

• Tax savings from optimisation.

• Successful wealth transfers.

• Exclusive investment access.

Peace of mind from expert, proactive guidance.

Our regular reviews and clear reporting—via personalised dashboards and performance summaries—highlight our impact, ensuring you see the tangible benefits of our partnership.

Our typical clients are entrepreneurs, executives, inheritance beneficiaries, and their families seeking bespoke wealth management advice for growth, protection, and succession.

Entrepreneurs value our business succession planning, executives benefit from our strategic retirement solutions, and inheritance beneficiaries rely on our expertise in managing sudden wealth transitions.

We tailor our services to meet the unique needs of these groups, ensuring their wealth thrives across generations.

We often serve clients with investable assets of at least £1 million, focusing on building strong, trust-based relationships with those who value personalised, strategic advice. However, we assess each situation individually and may work with clients below this threshold ensuring our services are the right fit for your unique circumstances.

We typically meet quarterly or semi-annually, but we’re flexible based on your needs. Whether it’s during market volatility, a major life event like a business sale, or simply to review your goals, we adjust our cadence to ensure you’re always informed and confident in your financial strategy.

Yes, we specialise in estate planning, designing strategies to transfer your wealth smoothly to the next generation using trusts and other tools to minimise estate taxes.

We also offer family governance and wealth education to prepare your heirs for stewardship. By starting early, we maximise tax efficiency and ensure your legacy aligns with your vision.

We start by understanding your personal, family, and career dynamics—your income, assets, liabilities, risk tolerance, and long-term objectives.

Using advanced risk profiling tools and scenario analysis, we craft a bespoke strategy that evolves with your needs, ensuring your investments align with your vision, whether it’s retirement, education funding, or succession planning.

Yes, we provide secure online access to monitor your portfolio, track performance, and communicate with us anytime. Our portal offers real-time updates, mobile accessibility, and secure messaging, ensuring you stay connected to your wealth wherever you are.

We blend technology with personalised service, using secure online tools for account access, performance tracking, and communication. Additionally, we leverage data analytics to provide tailored insights and optimise your portfolio, ensuring an efficient, modern experience that enhances our expert advice.

We offer ESG-focused options, including:

• Funds Prioritising ESG Criteria: Targeting environmental, social, and governance excellence.

• Impact Investing Opportunities: Driving positive change alongside returns.

• Portfolios Screened for Ethical Alignment: Reflecting your values.