Wealth Management

 

When providing advice to our clients there are a great many factors to be taken into account such as:

• Tax Efficiency of the recommended plans
• Diversification of Assets and Management in order to reduce risk
• Provision of investments for both the medium and long term
• Matching our recommendations to your attitude to risk
• Flexibility to ensure that our recommendations can evolve with your changing circumstances

Our Strategy

Our strategy is first and foremost to consider our clients’ requirements, analyse their attitude to risk, time horizon and growth expectations in order to build an investment portfolio, which uses asset allocation as its prime mechanism for reducing risk and offers more consistent returns in the medium to longer term. Having done this we then firmly believe that the taxation of the underlying wrappers or investment vehicles used is a key driver in their overall performance and, with this in mind, we select what we believe to be the correct ‘wrapper’ for each component part of a portfolio.

Having selected the investment ‘wrappers’ we then select from a number of fund managers and providers. This is because no single investment manager will be the best performer in all markets or asset classes at any one time; they will all have their ups and downs. To gain an advantage investment managers tend to specialise in different areas such as asset classes, industry sectors and geographic regions. They may also have a different investment style, which simply means they consider investment opportunities in different ways.

We will utilise professional portfolio modelling software to arrive at a mix of funds that are most likely to provide the best returns without exceeding your tolerance to risk. The key is always to diversify amongst the main asset classes (equities, fixed interest, property and cash) to achieve your objectives.

Tax advice is not regulated by the Financial Services Authority.