The Privilege Club

A full statement of what you own and what you owe, drawn together at the close of each quarter and set against the one before it. Assets, holdings and liabilities are gathered from your own records into a single current picture, so at any point you can see on one page exactly where you stand and how it has moved.

A quarter-by-quarter reading of how your existing holdings have actually performed: the returns realised, the movement in value over the period, and the composition of what you hold by asset class. A clear account of the ground your portfolio has covered, prepared from your own statements.

Your income and your outgoings for the quarter, classified and laid out the way a business reads its own accounts, with the preceding quarter and the year to date alongside. What came in, what went out, and what it means for the period.

Forward projections of your income, expenditure, cash flows and net worth over the horizon you choose, built on the assumptions you set. A way to test the road ahead: to see how a decision, a sale, or a change in circumstance plays out before it happens.

Advice on the tax arising on your income and assets, on any transaction you are weighing, and on how to hold that cost down within the law. It extends to the tax around retirement, on retirement benefits, pension and annuity receipts, and on the timing of a sale made in contemplation of it.

When a notice, intimation or summons arrives from the tax department, we read it, tell you plainly what it means and what your options are, prepare and file the response it calls for, and represent you before the assessing officer through scrutiny, reassessment, rectification and refund.

Computation of each advance-tax instalment as it falls due, with the amount and the date. Advice under FEMA on your residential status and on what you may hold, remit or repatriate. And cross-border relief, treaty benefits and credit for foreign tax paid, so income taxed in more than one country is not taxed twice over.

Your personal return of income prepared for each year from the particulars you provide, put to you for review, and filed on your confirmation. The annual obligation, handled accurately and on time.

A will drafted to your circumstances and your wishes: beneficiaries and their entitlements, specific and residuary bequests, executors and alternates, guardianship where it applies, and contingencies for the unforeseen. Revised as often as your life changes through the membership.

An examination of a will you have already made: whether it is sound in form and attestation, whether it still reflects your wishes, whether it accounts for what you now hold, and where it is exposed to challenge, with clear guidance on whether a codicil or a fresh will is the wiser course.

For a trust you have already settled, we keep its books of account through the year and prepare and file its annual return, so the structure stays in good order rather than being reconstructed at year-end.

Advice, as promoter, on the right form for a business you intend to build: weighing the options on liability, governance, tax and the ease of bringing in capital, the shareholding or partnership structure, your place within it, and the registrations and approvals it will attract.

A considered second view on the courses open to you as promoter in growing your business interests, grounded in your own information and objectives, and rendered for your own judgement at the moments where the decision is hardest to make alone.

Advice on how capital may be raised for your business: the choice between debt and equity, the sources open to you, the terms such capital ordinarily carries, the dilution or security that follows, and where it leaves you as promoter.

A commercial reading of any arrangement you are party to, or about to enter: what the terms actually commit you to, the rights they secure, the risks plain on the face of them, and the points worth negotiating before you sign.