Investments

We provide independent advice on investments held personally, through pensions or on behalf of trusts. This may involve investing new capital, reviewing existing arrangements, or simplifying several investments together into a single, easy to manage strategy.

Our recommendations consider the purpose of the investment, how long it is likely to be held, any income or access requirements, taxation, charges and how it fits alongside your other financial arrangements.

Investment risk is not simply a question of how comfortable you feel when markets fall. We also consider your investment timescale, financial circumstances, need for access and whether a loss would materially affect your future plans.

We use five risk profiles, ranging from Cautious to Adventurous. We explain the potential gains and losses associated with each level and recommend an approach that reflects both your attitude to risk and your capacity for loss.

An investment strategy should not be changed in response to every market movement, but it should be reviewed regularly. Our ongoing reviews consider performance, risk, asset allocation, charges, income requirements and any changes in your circumstances.

Where appropriate, we rebalance portfolios or recommend changes to keep the investments aligned with their original purpose. Any proposed changes, including their costs and potential benefits, are explained before action is taken.