At some time in their lives, most people want to save or invest their money wisely, in order to help them meet their needs and achieve their objectives, which may include capital growth or generating an income, for example.
Investments form a central part of many of our clients' personal financial plans and it is because they realise the importance of their investments that they sought specialist investment advice from us. As such, we are acutely aware that our advice will help to shape their financial future and we treat this responsibility with great respect.
We work with you to build an investment and savings portfolio, which is individually tailored to your circumstances and requirements and will help you to attain your financial goals.
At our initial meeting, we have detailed discussions concerning matters such as your target returns, the length of time you wish to invest for and the level of risk you are willing to take with your money.
We then conduct extensive research, focussing on factors such as tax efficiency, investment performance and risk analysis, to help us construct a well-balanced portfolio.
As part of this process, we look to ensure any portfolio is properly diversified, by placing elements of your investment in assets, sectors or countries which are 'negatively correlated' - that is, they do not follow each other closely and in fact, may tend to move in opposite directions.
This is because this is proven to reduce risk and volatility, whilst allowing participation in a variety of potential growth opportunities, including economies around the world, some of which are expanding very rapidly indeed.
We also focus on strategic asset allocation in constructing your portfolio, as this is widely regarded as being the single most important factor in determining long-term performance.
Thus, we will seek to allocate capital across a range of different asset classes, including cash, fixed interest securities, property, equities and commodities, according to your individual portfolio requirements, continually taking account of your attitude to investment risk, in order that we make recommendations with which you are comfortable.
Furthermore, where you have a particularly large fund to invest or especially complex financial affairs, we can work in conjunction with a specialist external investment manager, who can provide additional expert guidance and daily monitoring of your portfolio, in pursuit of the addition of real value.
Working together to deliver ongoing investment advice, we offer a wealth of expertise and the individual service that can make such a difference.
Once your proposed portfolio has been constructed, we arrange a convenient time to meet you again, when we talk through the work we have done, issues we considered and the reasons for our conclusions, whereupon, if you are completely satisfied, will we proceed to implement our proposals.