We will carry out a complete analysis of your current portfolio. Included in this are current and savings accounts, investments funds, trust and any other assets and liabilities.
Our recommendations will be based upon your stated investment objectives, acceptable level of risk and any restrictions you may wish to place on the type of investments you are willing to consider. We shall confirm in writing the suitability of our recommendations and draw to your attention investment risks that apply to specific products where relevant.
If deemed necessary at any time during the year we will make suggested alterations to either asset allocation or fund selection. We will help you reorganise your investments on to a more tax efficient basis i.e. transfer monies from Unit Trust to ISA’s in order to utilise capital gains tax allowances, maximise ISA allowances to provide tax free income in the future.
We will use Discretionary Fund Managers (DFM), wherever possible and we have a good working relationship with firms like Brewin Dolphin, Cazenove, Investec & Rathbones. To ensure that they are performing as expected, we review their performance on a regular basis and compare it with other similar portfolios from different investment houses.
Our experience shows us that initial plans can often become outdated, we therefore offer a comprehensive review service designed to deliver real on-going value for our clients.