Securing your financial future
Our Wealth Management team is dedicated to improving the financial position of individuals and trusts. We do this by holistic financial planning (looking at a client’s overall financial position and objectives). This combines strategies to minimise tax and provide quality investment advice whilst keeping total investment costs under control. We have an investment policy and process that is consistent across investment types including general portfolios, pensions and trust funds.
Our Core Investment Philosophy
We are careful and conservative investors. We only recommend investments which we fully understand. We are reluctant to recommend new or esoteric investment fads. We seek to add value by maximising gains and minimising losses within agreed risk parameters through:
We do not out-source investment decisions because we are our clients’ advisors. We look to know our clients’ objectives and their tolerance for risk. Our experience (and that of our clients) tells us that our process delivers good returns.
Our Investment Team
Our Investment Team is overseen by our Investment Director, Peter Heckingbottom and Investment Manager, Nick Pike. Peter and Nick are supported by a team of around 10 researchers. Their role is to analyse research produced by some of the best external fund assessment organisations (such as Old Broad Street Research – OBSR and Citywire). They then identify the funds and fund managers who have a consistent, established track record of superior past performance and who are most likely to maintain this in the future. These funds are identified on our “Buy Lists”.
Ongoing Investment Monitoring
Crucially, when we recommend funds to clients, we commit to continue monitoring these moving forward. If this monitoring process highlights any deficiencies in funds, our Investment Team will make a decision as to whether the fund should be retained or sold. We commit to contacting all clients investing in funds where we have concerns with a recommendation that actions be taken. This means that clients may see us recommending changes to their portfolios to ensure they remain invested in what we consider to be “Best of Breed” funds.
Does It Work?
We have analysed the performance of our “Buy List” for each of the last 6 years and, more significantly, on a cumulative basis over the same period. In short, over this time period, over 85% of our recommendations have out-performed the equivalent markets. This ‘outperformance’ is something we constantly strive for.
Here is a list of some of the services we offer within Wealth Management.
Successful Financial Planning
Understanding Risk and Rewards
Investment Advice
Building Retirement Funds
Preparing for Retirement
‘At Retirement’ Options and Strategies
Sensible Advice
Inheritance Tax Planning
Wills, Probate Services and Estate Administration
Establishment of Trusts
On-going Care and Advice on Existing Trusts
Professional Trustee Services
Mortgage advice and Commercial Lending
