How We Can Help You
With a combined total of more than 100 years’ experience, encompassing wealth and investment management, offshore financial planning, tax and trust assistance, retirement solutions and lifetime care provision we are experts in helping people to enjoy a better lifestyle and a more secure future.
How We Do It
There are 6 main stages to your planning:
What’s important to you and how do you want to live?
Our first conversation is free to you and at our expense. This is not about investing or money, it is about what is important to you, how you want to live and how close you are to being able to do so.
Would you retire early or work less if you could? We can show you how.
Do you plan to help your family financially?
We can help you prepare for future expenses such as university fees and house deposits.
What would you do if you could spend more on things you enjoy? We put your lifestyle goals at the centre of your plan to help you achieve them.
Do you want to leave a specific legacy?
We can help you plan ahead.
We contact each provider of your pensions and investments to gather detailed information on your behalf. We also perform a detailed analysis of your expenditure now and in the future, taking into account planned future events, ranging from house deposits to education costs for your children and grandchildren.
Building Your Lifestyle Financial Plan
Once we have all the information we build your personal lifestyle financial plan using sophisticated software. This maps out your lifestyle via a series of easy to follow graphs and analytical tools. We also prepare a series of “what if” scenarios to show you, for example spending more on holidays, spending more on children and grandkids, or retiring earlier.
We detail specific recommendations designed to follow your investment strategy, improve your tax efficiency and lower investment costs which ensures you achieve your stated objectives, both in the short and longer term.
Please be aware that the value of your investments can fall as well as rise, so you could get back less than you invest.
We implement the recommendations and you start to work less and live more.
On an annual basis, we will meet to discuss any changes to your circumstances and lifestyle plans. This ensures everything is current and up to date.
Isle of Man
The Isle of Man was originally part of the Norwegian Kingdom of the Hebrides until the 13th century when it was ceded to Scotland and came under the British crown in 1765.
The Isle of Man is a British Crown dependency, which makes it a self-governing possession of the British Crown that is not part of the United Kingdom. The UK Government however, remains constitutionally responsible for its defense and international representation.
The Isle is an island in the Irish Sea, between England and Northern Ireland spanning some 220 square miles, just over one third the size of London.
Financial services, manufacturing, and tourism are key sectors of the economy, with the government offering low taxes and other incentives to high-technology companies and financial institutions to locate on the island. Agriculture and fishing, once the mainstays of the economy, have declined in their contributions to GDP as the Isle continues to attract business from, in particular, the online gambling and film industries.
Central to its mandate of promoting business and opportunity the Isle does not have Capital Gains or Inheritance taxation and promotes a modest level of Income taxation with capped levels for high earners.
Financial Services regulation on the Isle of Man is strong, the IOM Financial Services Authority (FSA) undertaking the regulation and supervision of regulated activities in respect of deposit taking, investment business, collective investment schemes, insurance activities, pensions, fiduciary services and money transmission services.
The Isle of Man is an internationally compliant, well-regulated jurisdiction. Its commercial and financial infrastructure, business-friendly government and fiscal regime, makes it an ideal place in which to locate both your private wealth and a wide variety of businesses and through which to organise all manner of asset holding, investment and commercial transactions.
Undertaking financial services business in the Isle of Man could be not just tax efficient for individuals, but follows a regulatory regime not to dissimilar from those of the United Kingdom and Europe in their reach and proficiency.
As a premier global centre for financial services the Isle of Man can offer very attractive, zero taxation opportunities for expatriate and international individuals.
IIM has experience of dealing with clients globally, both expatriates from the UK and those based internationally or straddling multi-jurisdictional locations.
We pride ourselves in offering complimentary services to the IFA and Wealth Planning sectors, locally and globally.
Investment Interest Management Limited (or IIM as we prefer) began life on the Isle of Man in 1995. Originally a one man IFA the Company starting its life in a converted church it has now grown to encompass the full suite of investment services a modern financial planning business should provide from its offices in the heart of the Douglas financial services district.
Taken over in 2019 by the UK based Contexitur Group, the Company is now part of a larger enterprise that includes both financial advice and investment management in the United Kingdom from three offices and a Middle East office due to open mid 2021.
Recently the Company has seen a large investment both in infrastructure and personnel, allowing it to develop its service proposition not just for its expansive domestic client base, but for clients across the globe.
Nigel is the Executive Chairman of the firm as well as being responsible for the Compliance and Money Laundering reporting functions. A recent resident to the Isle of Man, his thirty five year financial services career has seen him lead companies in the United States as well as the UK. He currently holds the Chairman’s role at a UK based asset manager; as well as board positions with three UK based wealth managers. Nigel chairs the board of The Contexitur Group, the parent company of IIM.
Nick has been with the firm for over fifteen years, progressing through the ranks and firmly establishing himself with the clients of the business. As well as the day to day the running of the firm, his roles have seen him contribute to every aspect of our business adding his own values of precision, efficiency and correctness.
As part of his integration into the business Nick has taken up key roles; becoming a Director of the firm in 2015 leading the Operational and Managerial functions and supporting the key compliance departments. Nick is also an integral member of the Investment Committee and provides valued research and insight.
James is our Company’s Head of Investment Management and is responsible for the day to day running of the Investment Management division. Having started his working life at the Bank of England and, despite his youthful looks, bringing nearly twenty years of experience to the firm James is responsible for ensuring a seamless coordination between his department, the financial planning team and the compliance functions of the business.
A qualified Investment Manager of ten years standing and Chartered Member of the CSI, James is a member of the IIM Investment Committee and regularly represents the Company in meetings and presentations with fund managers world-wide.
Julian is an experienced and highly qualified Financial Adviser having spent nearly twenty three years in the sector. He successfully built his own practice in the UK, integrating it with a larger business, and has more recently joined us to look after the firm’s clients based on the Isle of Man along with our corporate relationships. Julian brings a wealth of knowledge to the firm and lends his support to the management team in this senior role.
Julian also overseas many of our client relationships outside of the Isle of Man and works with the team to ensure those clients are regularly kept in touch with our firm and their financial requirements met.
David is a highly knowledgeable and technically proficient member of the firm who has worked in the financial services industry for over thirty five years, covering the full scope of the industry from banks and insurance companies to IFA practices. David is a Chartered Financial Planner as well as a Fellow of the Chartered Insurance Institute. For the past ten years David has had the honour of being asked to be part of the examination writing team for the Chartered Insurance Institute, setting the exam standards which govern our industry.
David heads up the team looking after our non-resident clients and can often be found traversing the length and breadth of the UK visiting our clients. He has, and continues to; provide financial planning advice to many high net worth and high profile clients, as well as large corporate clients.
David is also a member of the firms Continuing Professional Development team and takes a keen interest in assisting newer members of the firm in their development.
Cayleigh leads our para-planning team, offering support and backup to the wealth managers and a link through to the compliance function. She began her career in financial services at just nineteen years old, working her way through the ranks of NFU Mutual covering life and client services departments. During this period Cayleigh undertook an intensive period of study and graduated with her Diploma in Financial Planning.
Client service and care is at the heart of Cayleigh’s culture and this flows through to her work in assisting the wealth management team, providing that all important link between the firm and its panel of product providers, and ensuring the suitability of advice the firm gives its clients remains consistent and meets their needs. Cayleigh is progressing her own personal development with us as she works toward Chartered status.
Tash is our in-house Operations & Process Supervisor and Head of HR.
With close to a decade of experience in human resource management in accountancy and financial services she holds a Scottish HNC in Human Resources Management and specialises in Emotional Intelligence, Strategic planning and the creation and review of company policies and procedures.
Tash is passionate about employment law and works closely with our compliance and planning teams in delivering best practice within the firm.
Currently working towards achieving her CIPD and Compliance Diploma to cement her knowledge in the financial sector Tash works closely with David in ensuring our firm maintains its continuing personal development programmes.
Richard is our Investment Policy Consultant and provides the firm with background, technical analysis, research and critical challenge in the design and implementation of our investment policy and our portfolio designs. Richard began his career over thirty years ago and spent twelve of those years in an investment management environment, with four spent as an investment manager with a leading UK firm of wealth managers. Following his early years as an analysist with the Ministry of Defence he has seen roles with M&G, Hambro Fraser Smith, Towry Law, JP Morgan Chase Fleming and Willis National.
His experience, knowledge and expertise is wide ranging and has included portfolio management, fund research, third party portfolio benchmarking, measurement and monitoring, asset allocation, construction of quantitative portfolios, portfolio reviews, market commentaries and miscellaneous investment journalism.
Richard’s holds the Investment Management Certificate and is in demand as speaker for numerous industry events where his opinion is widely sought.