Individual Services

Working With You To Build And Maintain A Financial Plan That Lasts A Lifetime Or Two

For many of us, our ambition for our money is simple – to make the most of it. Working with an investment manager who can make the day-to-day investment decisions in your interest is one part of that. But being able to trust that you are in the right hands is about more than technical skill – it is also about personal understanding.

Rounded advice

When you work with an investment manager, you want to know that they are thinking ahead, on your behalf. You expect them to provide advice on specific investments and technical issues. But you also want them to help guide you to make the right decisions at the right time. We can help you to have these important conversations with those closest to you and your advisers. We have been providing rounded advice for two centuries.

The right approach for you

We begin by understanding your ambitions, your attitude to risk and your time horizon. Based on these factors, we will then invest your money across a selection of assets that enable you to balance risk and return in a sophisticated way. We are always available in person, over the phone or by email and we will regularly review your plans to help keep you on track.

The importance of asset allocation

Experience shows that asset allocation plays a major role in generating investment returns – different asset types, sectors, and geographies each bring with them different opportunities. And with market and economic conditions having such a powerful influence on how different asset classes perform, we know that there’s no room for complacency. Up-to-the-minute knowledge and the ability to re-allocate assets nimbly as markets flux and flow are key when it comes to making the right choices .

We recognise that different people have different needs which will depend on their stage in life from those just starting out putting together their first savings pot, to those seeking advice on taking from their pot in retirement and passing the rest to the next generation, we will be there at every stage to guide our clients.

We see five core stages in the advice cycle:

For each life stage the client’s needs will evolve sometimes from simple planning requirements to complexing strategies. We will guide and walk you through each life stage and provide life long planning.

We aim to provide a total strategy to all your needs and look to answer some of the biggest problems faced in your personal finances which are:

1. How do I keep as much of my earned income as possible?
2. Will my family have enough if I were to die or be unable to work?
3. Are my savings working as hard as I am?
4. Will I have enough in retirement?
5. What will my income be in retirement?
6. How do I pass my wealth on without losing it?

Whatever your needs, the planning process is made simple. We take the time to get to know you, your goals and objectives. We prioritise what is important to you ensuring affordability along the way. Once we understand this, our job is to provide you with a solution that helps you achieve your goals.

Understanding your aims and objectives and satisfying them with an initial solution is only the beginning of our relationship with our clients. Of equal importance, is the ongoing relationship, where those solutions are reviewed and updated to ensure they continue to be suitable given changing personal and financial circumstances and importantly, that they continue to be efficient given the constant tax and legislative change.