Once we have established your current position, we can begin to ‘layer’ your current and future plans and assess whether they can be met from your income and capital resources. This will culminate in your own financial plan, helping you work towards your goals.

Investing involves risks including loss of capital. Investments can go down as well as up. Past performance is no guarantee of future returns.

As independent financial advisers we have access to the entire range of investment solutions offered by a range of discretionary fund managers. The investment strategy recommended will be tailored to your needs and goals and could range from a low cost model portfolio solution to a more expensive bespoke discretionary managed portfolio containing direct shares, bonds and structured products.

We assess our own Centralised Investment Proposition (CIP) against other strategies offered by discretionary fund managers and when our CIP is appropriate, we will recommend it. At all times we remain totally independent and will only recommend an investment which we believe offers you the best chance of achieving your desired return in an efficient manner.

As part of our regular review process we will ensure that the investment solution recommended is working for you. We analyse the performance of your investments compared to your financial plan and when something isn’t working, we will have no hesitation in recommending a change. By regularly monitoring the returns achieved by your investments we ensure that your financial plan remains on track to achieve your desired goals and objectives.

Investing involves risks including loss of capital. Investments can go down as well as up. Past performance is no guarantee of future returns.

Both EIS and VCT investments are becoming more popular for those looking to reduce their tax liabilities and save for the future. EIS and VCT investments are useful tax-efficient investments and may be suitable for clients with significant income or capital gains tax liabilities.

The valuable tax reliefs are endorsed by the UK Government to encourage investment into smaller, start-up businesses and this area of investment is higher risk.  We employ a robust selection process for our favoured EIS and VCT opportunities and can help you build up a portfolio of high performing managers.

Investing involves risks including loss of capital. Investments can go down as well as up. Past performance is no guarantee of future returns.

Our financial planners can also help you navigate the increasingly complex pension landscape including advice on funding, tapered annual allowance and lifetime allowance for pensions. Having provided the solution for you, we will continually review your plan to ensure it continues to meet your objectives.

Investing involves risks including loss of capital. Investments can go down as well as up. Past performance is no guarantee of future returns.

It’s not just about passing on your wealth though, and should be about enjoying your life now and ensuring your wealth supports you and as much as possible. It is also vital to ensure your ultimate inheritance tax bill is managed accordingly. Our independent financial advisers will work with you to discover the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.

We can assist by reviewing your circumstances, understanding what is important to you, factoring in your budget and ultimately making a cost effective recommendation to meet your objectives.

As independent advisers, we are able to research the marketplace and make recommendations from leading insurers based on cost and policy features that are appropriate for you.