A journey of a thousand miles begins with a single step.

Ever thought how easy it might be to have over £1m in liquid assets?

This group will help you achieve just that.

The calculation is fairly simple. How much do I need to invest regularly, given a certain growth rate assumption, and for how long?

There is a key secret here. With investing, It’s time. A very long time, decades in fact.

As Morgan Housel says in his book The Psychology of Money, “Warren Buffett is a phenomenal investor. But you miss a key point if you attach all of his success to investing acumen… His skill is investing, but his secret is time.”

And you know what Buffett said?

“Benign neglect, bordering on sloth, remains the hallmark of our investment process.”

So, where do you think you’ll be in a year? Five years? Twenty years?

We as adults are often quite bad at imagining what we want our futures to look like, which makes it difficult to set financial goals. Think about it, how did you imagine yourself as a kid? There’s a high chance that there are some gaps here, right?

We often talk about long time frames with financial goals. Retirement for most of us seems like a lifetime away – 20 or 30 years which makes it very difficult to plan for.

With these long-term time horizons in mind, it becomes easy to rationalize the decision to not do anything. In fact, our future selves can actually often feel like some other annoying person constantly stealing heaps of fun from our current selves.

So, what’s the solution to get you to the millionaire target? 

To keep you on this financial path to freedom, we will be using sophisticated cash flow systems to get you to your desired end goal. We will come back to this on a regular basis to make sure that you are on track, and if needed make appropriate changes to your investments along the way.

For some people who are starting from zero, this goal may take over 20 years. For others, the time horizon will be a lot shorter. Of course, each journey is unique to you.

Some of us may be lucky enough to still feel like we’re 30, but if you just celebrated (or mourned) turning 40, it’s time to get real. Our future selves will be here faster than we think. Remember all the stupid stuff you did as a teenager? Don’t be the 60-year-old that wants to hit your 30-something self over the head for doing stupid adult stuff, like not getting clear on your financial goals.

A lot of this will also come down to appropriate tax planning.

We are here to eliminate as much of the ‘tax drag’ as possible. Doing so will make the journey to £1m a lot easier.

Therefore, along the way we will support you with:

  • Income tax planning
  • Capital gains tax planning
  • IHT / Estate planning

If you would like to find out more, please feel free to get in touch.

Join the Millionaire club today.

GillianTitle, occupatio

I have known David for years and he helped me with my pension questions even when I was not his client. He also helped me to understand pensions in plain English as I really do struggle to understand it all. Because of this, both me and my partner have moved our existing pensions to Off Piste and another bonus is our money is making much higher returns. The process was made very simple and David made sure he understood both our levels of risk so our funds are now invested in the right place. Highly recommended.­

Natalie Davis

David was brilliant from start to finish. He was able to talk to me in a way that made it very simple to understand. I have seen a lot of growth this year already and look forward to working with him in years to come. I had the specific issue of wanting to invest inheritance for income and I was able to do so in a way that enabled me to start my own business which has always been a dream for me! I couldn’t recommend him enough!!!!

Hannah Mount

David goes the extra mile to make sure you understand all of the processes taking place and no question is too small nor trivial. He is a great person to work with and I can't recommend his services enough!

David Pontin

Off Piste has put intelligence and a strategy behind my finances. Prior to working with them, I was not being tax efficient, and did not have an appropriate structure of my investments. Having worked with Off Piste we have jointly constructed a plan, and this was done so over a number of sessions in which they deployed a no pressure and professional approach, to explore the options that worked best for me. I would highly recommend Off Piste Wealth.

Gideon Golstein

Before I met David I had no idea what the state of my overall financial health was. My outgoings were not clear to me and I felt like each month I was struggling to keep afloat. David has been instrumental in helping my organise my finances in such a way that I now feel comfortable. We've now managed to put an investment plan in place to help me afford my dream property in a few years time. If you feel like you're stuck or just want some general guidance — go talk to him!

Neil Horne

David has been a god-send when it comes to managing my investments for me. Always there to give me practical advice, has helped educate me on how to best invest my money and most importantly always provides me with transparency with everything that he does. I highly recommend David at Off-Piste Wealth for all your investment needs.