Building & sustaining a suitable investment strategy


Expert Guidance

A key question we answer through financial planning is whether there is a need to invest or to take a level of risk that is currently being taken. For many people, saving into deposit accounts will not achieve their longer term aims and for some they may be taking too much risk. Our approach is firstly to assess the amount of risk that needs to be taken and then to agree a level of financial risk that is acceptable.

Having rigorously researched the range of investment solutions that are available we offer a simple 4 step investment management service which we are confident will increase the chances of you experiencing a successful investment outcome.


1 - Agreeing the right mix between growth and defensive assets

The first step is to design a portfolio structure which is right for you. This will be based on your willingness, financial ability and need to take risk. The right mix of assets, along with your understanding of the amount of risk you are taking, will help to ensure that your portfolio matches your lifestyle objectives and expectations.

2 - Cost effective implementation and utilising the most appropriate investment wrappers

We use high quality, low cost diversified funds designed to capture the returns from specific asset classes and markets. There is no manager trying to time and outperform the market, which research shows very few do on a consistent basis. Our investment portfolios are low cost, simple to understand and transparent. At this stage we will also select the most appropriate investment wrappers (ISA’s, Pensions, etc.) to use based on your objectives, tax position and allowances.

3 - Rebalancing

Over time, portfolio structures drift due to market movements resulting in either too much risk (because risk assets have increased as part of the portfolio) or too little risk (risk assets have reduced because markets have fallen). Rebalancing seeks to ensure that the risk level of the portfolio remains where it was specifically designed to be. Via our specialist investment partner portfolios are rebalanced via a clever tolerance band system, rather than on a calendar basis. Evidence shows that this approach delivers better returns.

4 - Ongoing strategy

We will continue to match your invested assets to your lifestyle objectives.
We’ll help you to avoid the destruction of your wealth by stopping you owning investments that should be avoided, as well as avoiding a buy high, sell low approach. In the event of a bad market downturn we will give you fortitude to stick with the strategy so you avoid selling at the wrong time.
Leading up to the stage when it is anticipated withdrawals will be taken from your portfolio, we’ll create a bespoke withdrawal strategy (if it is decided that you will remain invested) based around your cash flow requirements, with focus on minimising tax liabilities and protecting the value of planned withdrawals so as to avoid selling down the portfolio at the wrong time.

The impact of poor decisions

Not having a coherent investment strategy can be truly damaging to your wealth. Research by Morningstar reveals that the average difference on an annual basis between the returns of an investment and those that the average investor receives is -2.5%. This difference is the direct result of poor buying and selling decisions. Even after taking into account our ongoing planning fees (which in addition to wealth management and investment advice includes a comprehensive financial planning service and an annual forward planning meeting to give you continued peace of mind and reassurance around your financial future) we are confident our ongoing service will put more money in your pocket over and above the fees we charge.

Our Specialist Investment Partner

As we do not have the required skill set or expertise to create our portfolios we buy in research and portfolio templates from our specialist investment partner. They also provide back tested data which shows how portfolios have behaved in the past, which facilitates a strong focus on managing emotions and outcomes.