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.
Our investing rules
To underpin our investment philosophy, we’ve created six rules for investing.
These rules help keep the investment process, and more importantly, our clients, in the right assets at the right time and keeps the investment team on the right tracks.
They have helped us steer clear of investing in some asset classes at the wrong time and also from investing in things that were too good to be true.
See our “Six rules for investing” below.
CISI Accredited Financial Planning Firm™ of the Year Award 2022
Yorkshire Financial Awards – Financial Adviser Team of the Year. Winner 2023, 2022
Yorkshire Financial Awards – Financial Adviser of the Year (Andrew Elson). Winner 2023, 2022
Yorkshire Financial Awards – Outstanding Achievement (Sarah Elson), Winner 2023
Professional Adviser Awards – Best Client Engagement (Advisers). Winner 2023, 2020, Highly Commended 2022, 2019
New Model Adviser Firm of the North Award. Winner 2023, 2022, 2021, 2020, 2019, Finalists 2018, 2017
New Model Adviser Top 100 - 2022, 2021, 2020, 2019, 2018
Women in Finance Awards – Financial Adviser of the Year - North East (Sarah Elson). Winner 2022
Yorkshire Financial Awards – Director of the Year (Sarah Elson). Winner 2022
Professional Adviser Awards – Tax-Efficient Adviser of the Year. Winner 2021
Professional Adviser Awards – Adviser Firm of the Year – UK. Winner 2020
Professional Adviser Awards – Professional Adviser Firm of the Year – North East. Winner 2020, 2019, Finalists 2022, 2021
CISI Accredited Financial Planning Firm™ of the Year Award 2019
Yorkshire Financial Awards – Best Employer. Winner 2019
Retirement Planner Awards – Best Individual Pensions Advice Firm of the Year – The North and Scotland. Winner 2019, Finalist 2018
Investment Life & Pensions Moneyfacts Awards – Retirement Adviser of the Year. Highly Commended 2018
Ready to talk?
If you want to know more about getting the most out of your finances for your retirement, investing or estate planning, please get in touch. You can send us an email or use the direct message box at the bottom of this page. Or call us and we can chat through your needs and, if you are ready, make an appointment to better understand how we can help.