Our investment philosophy

When talking about investments, you might be used to people talking about returns. While returns are certainly important, we believe there are other, equally important factors we must take into account when building a successful investment portfolio.

We’ll start by understanding your goals and aspirations. As with all aspects of our work, your priorities guide our approach and the solutions we propose. We only recommend products or arrangements we feel will help you achieve your personal goals.

We will also discuss risk in depth; how much risk you’re comfortable with, how we can manage that risk and which options therefore offer the best balance between returns and risk in your specific case.

No-one wants to be paying more tax than they need to. Whether you’re worried about Income Tax, Capital Gains Tax, Inheritance Tax or your Pension Lifetime Allowance, we ensure your investments maximise all available tax efficiency opportunities.

Our independence means that once we understand your goals, aspirations and attitude to risk, we are able to research the whole market to find the investment solutions that are best for you. We will then negotiate terms on your behalf and carry out due diligence to ensure everything fits with your long-term goals.

We’ll design a portfolio that’s intelligent, personal and perfectly suited to your needs. We’ll review it with you regularly, ensuring you’re kept updated on how everything is performing and that it continues to remain relevant to your objectives. Where changes are required to keep pace with your changes in your life, we’ll act quickly to ensure your portfolio serves your best needs at all times.

The value of your investments can go down as well as up, so you could get back less than you invested.