Gravitas Moving To Veri-Global

Gravitas Moving to Veri-Global: A Complete Guide for Clients

Gravitas is moving to Veri-Global, consolidating its financial advisory and wealth management services under the Veri-Global brand to offer clients a broader range of investment options, retirement planning tools, and tax advice under one unified platform. If you are a current Gravitas client or exploring new wealth management providers, this guide explains what the transition means, what services are available, and how Veri-Global compares to alternative financial planning approaches.

---

What Is Veri-Global?

Veri-Global is an integrated financial services platform that combines wealth management, retirement planning, savings optimisation, and tax advisory services for individuals, families, and business owners. By absorbing the Gravitas client base, Veri-Global aims to deliver a more comprehensive and scalable service model — one that addresses the full financial lifecycle rather than isolated products.

Veri-Global defines itself by three core principles:

• Holistic planning — linking investment strategy, retirement goals, and tax efficiency into a single coordinated plan.
• Transparent pricing — offering clear wealth management pricing structures with no hidden fees.
• Technology-led access — giving clients real-time visibility into their portfolios and planning progress through a dedicated client portal.

---

Why Is Gravitas Moving to Veri-Global?

The decision to move Gravitas clients to Veri-Global reflects a broader industry trend toward consolidation in financial advisory services. Smaller, specialist firms are merging with or transitioning into larger platforms that can offer:

• A wider range of regulated investment options and requirements compliance
• Dedicated retirement planning teams with specialist expertise
• Competitive savings account benefits through preferred banking partnerships
• In-house tax advice, removing the need for clients to engage separate accountants

For existing Gravitas clients, the transition is designed to be seamless. Client records, portfolio histories, and ongoing financial plans are being migrated to the Veri-Global system with dedicated relationship managers assigned to manage continuity.

---

Investment Options and Requirements Under Veri-Global

One of the most significant upgrades for clients moving from Gravitas to Veri-Global is access to an expanded investment universe. Veri-Global's investment options include:

• ISAs and GIA accounts — tax-efficient wrappers for UK-based investors
• SIPPs (Self-Invested Personal Pensions) — for clients managing their own pension strategy
• Discretionary managed portfolios — where Veri-Global's investment team manages allocations on behalf of clients
• ESG and ethical investment funds — for clients prioritising sustainable investing
• Alternative assets — including property funds and structured products for higher-net-worth individuals

Investment Requirements to Be Aware Of

Veri-Global applies minimum investment thresholds depending on the service tier selected. Entry-level managed portfolios typically require a minimum initial investment, while discretionary wealth management services are generally suited to clients with investable assets above a certain threshold. Clients should confirm specific investment options requirements directly with their assigned adviser during the onboarding process.

---

Retirement Planning Through Veri-Global

Retirement planning is a central pillar of the Veri-Global proposition. The platform uses a structured retirement planning process that begins with a detailed fact-find and goal-setting session before any product recommendations are made.

The Veri-Global Retirement Planning Process

1. Discovery meeting — understanding your current financial position, income sources, and retirement timeline.
2. Goal mapping — defining what retirement looks like for you, including target income, lifestyle costs, and legacy wishes.
3. Gap analysis — calculating the shortfall between projected pension income and your retirement income goal.
4. Strategy design — recommending the right combination of pension contributions, investment vehicles, and savings to close the gap.
5. Ongoing review — annual reviews to adjust the plan as life circumstances or tax legislation changes.

Retirement Planning Examples

To illustrate how Veri-Global's approach works in practice, consider two common client scenarios:

Example 1 — The Early Planner: A 35-year-old professional with a workplace pension and £20,000 in savings. Veri-Global would assess the existing pension's projected value at retirement, identify any shortfall, and recommend additional SIPP contributions combined with ISA savings to build a tax-efficient retirement pot.

Example 2 — The Late Starter: A 52-year-old business owner with limited pension provision but significant business assets. Veri-Global would explore pension contribution catch-up strategies, potential use of business profits for pension funding, and whether a phased retirement approach suits their goals.

These retirement planning examples demonstrate that effective planning is not one-size-fits-all — it requires a tailored strategy built around individual circumstances.

---

Best Savings Account Benefits Available via Veri-Global

Beyond investments and pensions, Veri-Global provides access to savings solutions through its banking and financial institution partnerships. The best savings account benefits available to Veri-Global clients typically include:

• Competitive interest rates — access to exclusive or preferential rates not available on the open market
• FSCS protection — savings held within FSCS-protected accounts up to the £85,000 limit per institution
• Flexible access options — choosing between instant-access, notice, and fixed-term savings accounts to match liquidity needs
• Cash management services — for clients with significant cash holdings, Veri-Global can spread deposits across multiple institutions to maximise FSCS coverage

---

Wealth Management vs Alternatives: Why Veri-Global Stands Out

When evaluating wealth management vs alternatives such as robo-advisers, DIY investing platforms, or single-product providers, several distinctions emerge:

| Feature | Veri-Global Wealth Management | Robo-Adviser | DIY Platform | |---|---|---|---| | Personalised advice | ✅ Yes | ❌ Limited | ❌ No | | Tax planning integration | ✅ Yes | ❌ No | ❌ No | | Retirement planning | ✅ Comprehensive | ⚠️ Basic | ❌ No | | Human adviser access | ✅ Dedicated | ❌ No | ❌ No | | Investment range | ✅ Wide | ⚠️ Restricted | ✅ Wide |

While robo-advisers and DIY platforms offer low-cost entry points, they lack the personalised, holistic planning that clients with complex financial situations — such as business owners, high earners, or those approaching retirement — typically require.

---

Tax Advice: How Veri-Global Approaches Tax Efficiency

Access to best tax advice is one of the most valued aspects of a full-service wealth management relationship. Veri-Global's in-house tax planning capability means that investment and retirement decisions are always made with tax efficiency in mind. Services include:

• Annual ISA allowance optimisation — ensuring clients fully utilise tax-free savings allowances each year
• Capital gains tax planning — timing asset disposals to manage CGT liabilities effectively
• Pension contribution strategies — maximising tax relief on contributions within HMRC limits
• Inheritance tax planning — structuring estates to reduce IHT exposure through trusts, gifting strategies, and pension nominations
• Income tax planning — particularly relevant for business owners drawing salary and dividends

---

Veri-Global Wealth Management Pricing

Transparency in wealth management pricing is a key differentiator for Veri-Global. The platform operates on a tiered fee model, typically structured as follows:

• Initial advice fee — a one-off charge for the discovery, analysis, and plan design phase
• Ongoing advice fee — an annual percentage of assets under management (AUM) for portfolio management and annual reviews
• Platform fee — a separate charge levied by the investment platform for custody and administration
• Fund charges — the underlying cost of investment funds held within the portfolio (expressed as an ongoing charges figure, or OCF)

Veri-Global provides a personalised fee illustration before any engagement begins, so clients understand the total cost of advice before committing. This approach aligns with FCA requirements for fee transparency and ensures no surprises.

---

What Existing Gravitas Clients Should Do Next

If you are a Gravitas client affected by the move to Veri-Global, the recommended steps are:

1. Wait for your transition letter — Veri-Global will contact all migrating clients with details of their new account and assigned adviser.
2. Review your existing plan — use the transition as an opportunity to reassess whether your current financial plan still reflects your goals.
3. Schedule an onboarding meeting — take advantage of the introductory meeting with your new Veri-Global adviser to ask questions and confirm your investment strategy.
4. Check your documentation — ensure all nominated beneficiaries, risk profiles, and personal details are up to date on the new platform.

---

FAQ