Our investment philosophy and process are based around achieving the best results for you and your money, in a way that is appropriate for the level of risk you are willing to take.

Our investment philosophy:

  • We believe that financial advice and investment advice are separate, which is why we will appoint a specialist investment manager who is best suited to your needs and preferences.
  • Investing is for meeting long-term objectives, at least a five year time horizon
  • You should only consider a longer-term investment strategy if you also have a concurrent savings strategy in place or have already accumulated sufficient savings to fulfil your short-term needs
  • Risk and returns are correlated. High potential returns will almost always involve higher potential risks. There are no low-risk/high-return investments. The more risk you are prepared to accept, the higher the return expectations. Conversely, lower returns should be a reflection of an investment’s greater security
  • Broad diversification, with exposure to different types of asset, reduces risk. Diversification in this case means selecting a mix of assets to be held in a portfolio, not selecting the individual investments themselves
  • Rebalancing a portfolio removes the risk of emotion taking over
  • Accepting the risk of short-term fluctuations in the value of capital is a necessary part of achieving long-term goals
  • Market timing and performance chasing are losing strategies
  • An investor should not expect future long-term returns to be significantly higher or lower than long-term historic returns.

And the process we follow:

  • We find out about your aspirations in as much detail as we can. What do you want to achieve? By when? Is your aim income or capital growth?
  • We will analyse how much risk you should take, how much you can afford to take and your capacity for loss.
  • Once we have determined your individual capacity for investment risk, we’ll match it to the most appropriate investment portfolio.
  • We will make sure all the processing and paperwork is completed as efficiently as possible, ensuring all investment instructions are clearly and accurately represented and implemented.
  • As an ongoing process, we will comprehensively report the progress of your investments and any changes we need to make, to ensure your plan stays on track to meet your goals.
  • We conduct due diligence (quarterly and annually) on all the specialist investment managers we appoint on behalf of our clients, to ensure that that they are doing what they were hired to do.

Find out more about the other important elements of our services:

Our client journey

We follow a six-stage process to ensure your goals and aspirations are at the heart of our planning process.

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Our services

Our services, including our fees, will differ according to your requirements and the responsibilities involved.

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What do our clients say?