Our role is financial planning, we outsource investment to experts in the field of investing. We select discretionary investment managers who provide:
Active as opposed to reactive management.
Risk controlled asset allocation.
Geographical diversification, reflecting current markets and economic conditions.
Re-balancing of portfolios to maintain your risk profile.
On-line valuations
Annual reviews with your investment managers
Institutional costing of funds under management, reducing the total expense ratio.
We expect a combination of active and passive investment styles within client portfolios and choose independent investment companies, free from external constraints and able to adapt a whole of market approach to the choice of investments.
Your portfolio is bespoke to you
Each client portfolio is managed by a designated manager chosen specially for you.
Your manager will be fully aware of your objectives, attitude to risk and wishes for your portfolio.
Our discretionary investment managers are continually monitored and performance measure against industry-wide benchmarks.
Investment decisions are surrounded by comprehensive financial planning
Before introducing you to our investment management companies, we provide a comprehensive financial planning service. This includes obtaining:
A full understanding of the lifestyle you wish to achieve, arrived at through in-depth conversations with you
A full understanding of your whole current financial situation achieved through a comprehensive fact find.
A full understanding of your previous investment experience.
An assessment and agreement of your needs and priorities.
An assessment of your attitude to investment risk and your capacity for loss.
Your agreement to the amount of easily accessible capital you should keep for emergency purposes.
Your agreement of the timeline your investments need to work towards.
Your agreement of your final investment strategy.
Once all of this is complete, we will introduce you to your chosen investment manager or managers who will provide a full suitability report to support investment recommendations made.
Ongoing investment reviews
Investment reviews normally take place annually.
We invite your investment managers to provide regular updates via webinars organised by us throughout the year.
Your relationship with your investment manager is personal and you will have direct access to them.
