OUR BELIEFS

Our investment beliefs...

We believe in Asset Allocation. This is a method of building a diversified investment portfolio to provide the optimum return for the lowest risk in line with your individual goals and tolerances.

We believe that investment risk or volatility should be linked to your personal and financial lifestyle needs.

We believe the selection and management of individual assets within a portfolio worth over £100,000 is best placed in the hands of qualified professional investment managers. This is subject to a robust benchmarking and review process.

We believe that investors with assets worth less than £100,000 will benefit from a passive investment strategy. This level of investable assets also means that costs are important. To manage this we use low cost funds that track a relevant index. These require limited maintenance, thus keeping ongoing management costs down. This, in turn, allows your investment to grow quicker.

Our Advice & Planning Charging Principles

We believe that as an independent practice we must be unbiased. Therefore our advice costs are the same percentage regardless of the particular Investment Product, Product Provider or Tax Wrapper we recommend to you.

This means that the fee structure on all new and ongoing investments is calculated on a pro-rata basis depending on the level of investment. Again, this is regardless of the particular tax wrapper or provider used.

We believe our ongoing servicing cost should be the same percentage for all our clients, with the investment service you receive being dictated by the service level you choose.

In line with our investment beliefs we will only charge a fee for what we can directly control or influence for you. That way you know exactly what our fees are going to be right from the very start. To illustrate how this works for you, simply click here.