Our Investment Management Services
How we manage your investments
Before making any investment recommendations, we first of all gather information on your personal circumstances that are relevant for us to determine:
- Whether you should invest or not
- How you feel about losing part of your investment in adverse market conditions
- If you have a specific investment target in mind
- Do you require income from your portfolio or looking growth, or a combination?
Your risk profile:
We then complete our risk assessment process to ensure that your investments meet your needs and risk tolerance.
This covers:
- The assessment of your risk profile using psychometric testing
- Your capacity for loss
- Determining your income needs and any capital requirements
- Discussing your investment time horizon
- Ensuring that your investments meet your objectives such as ethical criteria or any other restrictions
- Our Service level commitment
- Any other significant investment issues
Portfolio Construction
Having taken all of the above into consideration we then look at constructing your portfolio, building a diverse range of investment products, funds and mangers to meet your needs and agreed risk parameters.
We will also take your tax situation into account to ensure that our recommendations, as much as possible, offer the most tax efficient solutions.
Once your portfolio is constructed we will continue to monitor each holding and the portfolio as a whole, assessing the management statistics, volatility and investment performance. We will conduct regular reviews and maintain your portfolio in line with your investment objectives, within our agreed level of ongoing service. This will ensure that your portfolio holdings remain suitable and appropriate for your ongoing needs and investment requirements.
Valuations
We will send you regular detailed valuations which will cover each product and underlying holding, values, units, yields together with our comprehensive portfolio analysis report providing an analysis of your portfolio, your agreed investment objectives, a product risk, investment sector and performance.
Ongoing Advice Service Levels
We have a number of ongoing advice service levels designed to meet our clients' needs. Each level differs in the services that we offer, ranging from our entry level service for clients with more straightforward less complicated needs to our premium service level which might provide more frequent meetings a year, half yearly valuations and rebalancing, liaison with third party accountants, capital gains tax and income tax planning and trust work.
We will discuss with you the service levels available and the costs and agree on the service that will most suit your own particular circumstances.
A World of Opportunities
Through Independent Financial Advice
ESTABLISHED - PROFESSIONAL - TRUSTED - PERSONAL
We provide financial advice and planning to people who want to ensure they make the right financial decisions at the right times to make a lasting difference.