Q3 2025

Welcome to the Summer 2025 edition of our client newsletter. As we enjoy the seasonal sunshine, the political situation continues to be heated and there is uncertainty about what the next quarter will bring at home and abroad. We want to take this opportunity to reassure you that our financial planning and investment management teams are well prepared to deal with this uncertain future. We continue to work towards delivering your long term goals, whatever the day's news headlines may bring.

This newsletter combines our latest views on your portfolio and the market from CIO, James Calder, together with financial planning information on pensions and savings. We also focus on our client portal, YourCAM. Offering you daily access to your CAM accounts together with the highest levels of security and data encryption, this is a valuable tool in the fight against financial crime. Information from bank statements and valuations to copies of wills can be securely provided. Please get in touch if you would like to find out more.

Finally, we recently wrote to you about our move to a new custodian and administrator in October 2025, Third Financial. We want to reassure you that your relationships with the CAM team will not be impacted by this move, nor will it result in any increase in your fees. We will write to you in August with a copy of our updated terms of business with you, including references to Third Financial as providing client money protection and custody for the assets in your portfolio. You do not need to sign this documentation or take any further action at this time. If you have any questions, do contact your usual CAM team.

We always welcome your feedback so please do get in touch with any questions that you might have or suggestions for future newsletters.