Investment Advice
Our comprehensive investment advice process is designed to ensure recommendations are tailored to your needs. We take time to understand your affordability, your attitude to risk and capacity for loss, and both your current requirements and future goals.
Step 1: Identifying Your Needs
We begin with an exploratory meeting. This gives us the opportunity to discuss your immediate requirements, longer-term plans, and overall financial objectives.
Step 2: Assessing Your Circumstances
After the meeting, you will complete a short questionnaire. This gathers details of your finances, including:
- Current savings and investments
- Existing pensions
- Other financial arrangements
We analyse this information to ensure our recommendations are affordable and relevant to your circumstances. We will also create your personal risk profile.
As part of this stage, you will receive an Outline Proposal, which includes:
- An outline of our initial recommendations
- Details of our ongoing service
- A clear breakdown of fees
This ensures both adviser and client agree on the scope of advice before moving forward.
Step 3: Your Investment Report
Once agreed, we prepare your Investment Report. This personalised document includes:
- Full details of the recommended product(s)
- Key Investor Information Documents
- Investment fund statistics
- Everything needed to implement the recommendations
Step 4: Implementation
When you confirm your instructions, we manage the process on your behalf. We liaise with product and service providers, set up contracts, and handle all administration for you.
Step 5: Ongoing Reviews
Regular reviews are essential to keep your investment portfolio on track.
Before each review, you will receive:
- Up-to-date valuations of your portfolio
- A clear agenda for the meeting
During the review, we cover:
- The performance of your investments
- Your current attitude to investment risk
- Any changes in your personal or financial circumstances
Following the meeting, we provide written recommendations and confirm the timescale for your next review.
About Us
Founded in 2003, we are a privately owned firm authorised and regulated by the Financial Conduct Authority. Our adviser is a Chartered Financial Planner and Fellow of both the Chartered Insurance Institute and the Personal Finance Society. With over 30 years’ experience, we provide clear, client-focused financial planning, pension, and investment advice for individuals and small businesses.
Important Information
- Past performance is not a reliable guide to future returns.
- The value of investments can go down as well as up, and you may not get back the amount originally invested.
- For stocks and shares ISAs, “tax-free” means free of Income Tax and Capital Gains Tax for the investor. Future tax benefits may change and depend on individual circumstances.
- Investments in international funds may also be affected by currency exchange rate fluctuations.
Frequently Asked Questions
Investment advice helps you make informed decisions about where and how to invest your money. It considers your goals, attitude to risk, and financial circumstances to create a suitable long-term strategy.
Yes. Our clients’ investments are managed within risk-graded discretionary portfolios overseen by a professional investment manager. The manager makes day-to-day investment decisions, while we ensure your chosen portfolio remains suitable for your needs.
No. The discretionary fund manager decides on the underlying investments within each portfolio. This approach allows professionals to respond quickly to market conditions and maintain an appropriate level of risk.
We review your portfolio regularly to make sure it remains aligned with your objectives and risk profile. We’ll also contact you if any significant changes or recommendations arise between reviews.
Yes. The value of investments can fall as well as rise, and you may not get back the full amount originally invested. However, diversification and professional management are designed to help manage risk over time.