Our beliefs

We believe in Asset Allocation. This is a method of building a diversified investment portfolio to provide the optimum return for the lowest risk in line with your individual goals and tolerances.

We believe that investment risk or volatility should be linked to your personal and financial lifestyle needs.

We believe the selection and management of individual assets within a portfolio worth over £100,000 is best placed in the hands of qualified professional investment managers. This is subject to a robust benchmarking and review process.

We believe that investors with assets worth less than £100,000 will benefit from a passive investment strategy. This level of investable assets also means that costs are important. To manage this we use low cost risk targeted funds. These require limited maintenance, thus keeping ongoing management costs down. This, in turn, allows your investment to grow quicker.

Our Advice & Planning Charging Principles

We believe that as an independent practice we must be unbiased. Therefore our advice costs are the same percentage regardless of the particular Investment Product, Product Provider or Tax Wrapper we recommend to you.

This means that the fee structure on all new and ongoing investments is calculated on a pro-rata basis depending on the level of investment. Again, this is regardless of the particular tax wrapper or provider used.

We believe our ongoing service cost should reflect fair value as well as choice which is why we have four service levels to cater for all our clients.

The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.