We offer full holistic advice. At the heart of most financial plans is an investment plan. This may be to work with you during an accumulation phase of your life where you are saving for a specific reason, often for retirement but also for specific capital expenses such as university fees or helping your children in the longer term buy their first home.
We believe that every client is an individual and we take time to get to know you and your objectives for your finances and your financial future.
Your financial adviser will have an initial conversation with you to understand your situation including things you may not have considered before such as your emotional attitude to risk, your capacity for loss any ethical preferences of where you would like your money to be invested and the amount of time you have to invest the money before you may need to draw from the fund. These are just a few of the considerations that your adviser will make before deciding on the right investment for you. Crucially the investment advice is tailored to your objectives.
We are committed to using tax efficient investment products which meet your needs and whilst you will pay the correct amount of tax, we work hard to use your allowable allowances such as income tax or capital gains tax allowances to minimise the amount of tax you will pay. There are multiple products we use to allow us this flexibility. Often clients will have a general investment account an ISA a pension and perhaps an investment bond. We structure these in a way which is clear, transparent and easy to understand, we have the flexibility and experience to create a sophisticated plan to meet your needs, if you choose our ongoing service we will regularly review your plans with you to help keep things on track and make any changes as necessary.
To arrange a free initial consultation in one of our offices or in the comfort of your own home, get in touch with our team today.
