Whilst the future is uncertain, it is more reassuring to face it with a clear financial plan which helps you organise your finances to make the most of your money and deal with situations you may not have foreseen.
Our team of Chartered Financial Planners are not only experts with money, but also have long-standing experience of advising individuals, couples and families, companies and trusts. With their guidance, you can have the confidence that you have a strategy for whatever the future might bring.
We will help you focus on the lifestyle you want, the income you will need and who might be depending on you. Your financial planner will also help you understand the choices available to you now and how they might affect what you can do in the future.
Our financial planning service is predominately fee based and we will provide and agree with you any fees before any work is undertaken.
Model Portfolio Service
Our Managed Portfolio Service (MPS) is only available through a financial adviser and offers you a simple, cost-effective way to access our investment expertise, with the aim of growing your real wealth. Each strategy is actively managed and designed to deliver their target inflation plus returns to suit a range of risk appetites. The models we offer are:
|Real2||To outperform CPI+2%pa. over the investment cycle|
|Real3||To outperform CPI+3%pa. over the investment cycle|
|Real4||To outperform CPI+4%pa. over the investment cycle|
|Real5||To outperform CPI+5%pa. over the investment cycle|
MPS invests in both actively managed and passive funds ensuring diversified access to global markets irrespective of your portfolio size and we review the asset allocation and portfolio every month. Any changes are then implemented by the platform who are responsible for the service and administration of your portfolio.
Defaqto (an independent rating agency) has recognised the quality of our service by awarding us the maximum 5* rating for our Managed Portfolio Service in each of the last five years.
MPS has been designed for those investors with less than £250,000 to invest.
Bespoke Portfolio Service
We all have financial goals and personal ambitions that evolve throughout our lives. Our bespoke portfolio service is designed to provide you with greater confidence in your ability to fund your lifestyle aspirations.
Through a deep relationship with you, we build an investment plan that can evolve with your circumstances and has the flexibility to meet your short and long-term goals.
Every client enjoys a dedicated team, led by an experienced investment manager, who you can contact at any time.
Defaqto (an independent rating agency) has recognised the quality of our service by awarding us the maximum 5* rating for our bespoke portfolio service in each of the last five years.
Our services for bespoke clients are available for investors with £250,000 or more to invest and comprise of:
|Real2||To outperform CPI+2%pa net of portfolio costs over the investment cycle|
|Real3||To outperform CPI+3%pa net of portfolio costs over the investment cycle|
|Real4||To outperform CPI+4%pa net of portfolio costs over the investment cycle|
|Real5||To outperform CPI+5%pa net of portfolio costs over the investment cycle|
|RealIncome||Fund withdrawals of 4%pa that rise with inflation (CPI) for 50 years by outperforming CPI+4%pa, net of portfolio costs over the investment cycle|
All of our bespoke services can be managed to suit your individual income requirements and tax considerations.
AIM Portfolio Service
Our Alternative Investment Market (AIM) IHT service was launched in 2004 and is designed to help you take advantage of the generous tax breaks that are available to qualifying small businesses. Business Relief (BR), formerly known as Business Property Relief, was introduced in 1976 to ensure that inheritance tax (40%) wasn’t paid on small business shares on death.
Our AIM IHT service offers you the opportunity to invest in a managed portfolio of shares that we believe will qualify for BR and so should be free of inheritance tax after only 2 years, provided you own them at the date of death.
AIM investments tend to carry a higher investment risk than other equities and therefore this service is only suitable if you can invest £100,000 and are willing to accept a higher degree of risk.