Creating wealth at an affordable price

We work with clients to build a tax efficient portfolio of stocks and shares matching tolerance for risk and investment horizons. We'll often combine index tracker funds and managed funds reflecting the planned investment horizon combining equities with corporate bonds, fixed interest holdings using the most appropriate vehicle such as pensions, OEIC's or investment trusts. Our fund analysis considers all provider and platform charges, past performance, how concentrated the portfolio is and liquidity.
We offer initially by email a free no obligation risk assessment tailored to your aims, objectives and personal circumstances

Our investment recommendations will take in to consideration the likely tax consequences of the chosen course of action as well as the likely term, charges incurred from the investment manager and how long the manager has been running the fund, the need for diversification and spreading the risk between active and passive gilts, bonds and company shares. We'll also take in to consideration liquidity as part of the overall risk analysis and invest for income or growth. We often recommend a combination of ISA and pension solutions tailored to the financial plan.

If Inheritance tax is a concern we will provide a range of potential solutions using trusts and gifts to make the  for oyu to consider  implications and , There are two main reasons people invest: best use of allowances.

A typical example of investing in a corporate bond is an investment fund manager allocating funds to a high street bank who distribute the funds through a residential mortgage charging a set fixed interest rate for a set period. The investor receives dividends/ interest added to their portfolio after fees and charges. This basic holding would form part of a larger collection of bonds and equities diversified reflecting the amount of risk the investor is willing to accept. Investing in bonds that pay interest on a regular basis carries less risk than investing in for example equities such as a technology firm looking for growth with no regular income.

There are a number of ways to invest such as an active fund manager who looks for opportunities through undervalued businesses using ratios and performance. The best fund managers outperform the market and secure higher returns but this is not guaranteed. Tracker funds have no active management, the fund rises and falls with the index but when markets are performing well will receive dividends/ additional units increasing the value. If markets fall the tracker reduces with the market fall.

Ask for a personalised illustration tailored to your requirements. Past performance is not a guide to future returns and your capital is at risk.

The best solution takes in to account:

- Tax efficiency accounting for your personal allowances

- Estate Planning

- Managing risk with a thorough analysis of your risk tolerance

- Maximising returns

- Diversification using ISAs, OEICs, investment bonds, Unit Trusts and SIPPs Exchange Traded Funds (ETFs), Hedge Funds and Investment Trusts.

- Regular reviews

We will use our expertise to establish the most cost efficient solution for you - reflecting the right level of risk tailored to your requirements. We will consider the most tax-efficient option and aim to use diversified investment portfolios with the aim of optimising returns. Our transparent competitive fee structure can help ensure your investments do not need to invest in higher risk funds to achieve desired return.

With increased market volatility, risk management is vital and one way this can be achieved is via our Wealth Management service which provides peace of mind to know your investments are being monitored with adjustments recommended when required.