Our Services

Whilst every client is different, most of the work we do for our client’s falls into two distinct categories:

The first level of service is where we are simply asked by a client for advice on a “one off transaction”, such as for example:

• drawing the benefits from pension plan,
• Arranging some life insurance, or a mortgage/remortgage.
• Reviewing or arranging an investment for example a Stocks and Share ISA.
• Setting up a simple pension arrangement.

Normally these transactions once arranged are only reviewed at the client’s request, should legislation change, should the company concerned get into financial difficulty, or at maturity of the investment. We may from time to time keep in touch by for example a newsletter. This service suits clients whose affairs are simple, or ones who prefer to control their own finances and investments.

The second service is a more comprehensive service and is designed for clients’s whose financial affairs are more complex, or have a greater number of investments to manage. This service involves the greater use of a risk profile questionnaires, which is used to produce a precise level of risk acceptable to the client. This risk profile is then applied to an independently produced asset allocation model. Then individual funds are selected, using a series of objective criteria, such as past performance, fund managers tenure, quartile rankings, consistence, Old Broad Street (OBSR) and Citywire Ratings.

Then most importantly the asset allocations and funds used are reviewed every 6 months and clients advised when any changes are required. Clients are also asked at least annually to complete a new risk profile questionnaire, so that their investments continue to precisely match their attitude to investment risk.

Whilst this sounds complex, in reality the process is simple and straight forward and very worthwhile, as it ensures that you the client are never invested into underperforming or inappropriate funds.

Instant on line valuations can be obtained and fund performance reviewed against any major benchmark, or using stochastic modelling tools. In the future we will be able to produce consolidated income and capital gains tax statements to assist client with their tax returns.

Please contact us to discuss your requirements.