Investments And Savings
Most clients invest in order to plan for future income needs, which means it’s important to have clear objectives and realistic timescales beforehand.
Our financial advisers will work with you to create a financial plan which will help identify your needs and the level of investment risk that’s appropriate for you. Together, we can establish how best to prepare for your future.
Once we have established your objectives, we will review your current investments and determine if they are still appropriate. Among the issues we will explore are:
- What is your appropriate investment risk?
- Over what timescale do you need the money?
- How tax-efficient are your investments?
- Are they competitively priced?
- How well managed are your investments and how have they performed?
- Do you need a contingency plan in place?
If your current investments can be made more efficient or more appropriate to your needs, your adviser will work with you and implement a plan. This may include:
- The use of a model portfolio service
- Maximising tax planning opportunities
- The appointment of an experienced discretionary portfolio manager
Our investment approach
Central to our investment philosophy is the belief that ethical, sustainable investing will deliver stronger returns over the long term. We prefer to partner with investment firms who put Environmental, Social & Governance (ESG) factors at the heart of their investment process.
We conduct regular, impartial reviews of the whole market to source the investments that accord with our own values and beliefs, which we believe are the right choices for our clients.
Important information
The value of investments and income from them may go down. You may not get back the original amount invested. The Financial Conduct Authority does not regulate tax planning or trusts.