Graeme Smallman

Introducing Graeme

Senior Financial Planner, Expert in Wealth Management, Estate Planning & Trusts

As a Chartered Financial Planner with over 15 years of experience, Graeme specialises in managing the complex financial needs of high-net-worth individuals, business owners, and trustees. He focuses on generational wealth management, estate planning, and Trusts, helping clients navigate major financial transitions such as business sales, retirement, and estate succession.

Graeme’s key areas of expertise include:

• Cashflow Modelling

Helping clients to visualise their life goals using comprehensive financial modelling to visualise different financial scenarios, helping clients make informed decisions and test the resilience of their financial plans.

• Capital Event Planning

Helping clients manage significant capital events like business sales and asset disposals, ensuring financial sustainability and long-term security.

• Wealth and Estate Planning

Offering tailored estate planning solutions to ensure seamless and tax-efficient wealth transfer to future generations.

• Trust and Beneficiary Planning

Working closely with trustees to manage Trust assets effectively, ensuring that both current and future beneficiaries are well provided for.

• Investment Strategy and Asset Allocation

Designing customised investment strategies aligned with clients’ risk tolerance and long-term financial objectives.

• Tax Efficiency and Philanthropy

Developing tax-efficient strategies that integrate charitable giving, supporting both wealth transfer and philanthropic goals.

“When working with clients, I start by understanding their personal goals and objectives. Whether you’re an individual or a trustee, I carefully review your current and anticipated resources, assess your tolerance for risk, and develop a detailed financial plan using cashflow modelling. This allows us to explore multiple scenarios and stress test each plan against market changes or personal life shifts,”

“My goal is to help clients feel more in control of their financial future. By visualising their financial journey, we can answer the ‘what if’ questions, make informed decisions, and ensure their wealth is preserved for future generations,”

Graeme’s Chartered status reflects his dedication to delivering professional, trusted advice, with a commitment to preserving and growing wealth across generations. His holistic approach ensures that his clients receive guidance tailored to their individual circumstances, helping them achieve both short-term financial stability and long-term wealth management goals.