Our Approach
We’ll work together to build a clear picture of your current position and your goals for life, helping you to make smart decisions about your family’s finances. Providing you with the peace of mind that your needs will be met in the years to come, whatever life may bring.
How we do it
Financial Planning is an ongoing process, helping you to make sensible decisions about your money throughout your life that can help you reach your goals.
It’s not just a one-off decision to invest in a pension or an ISA. It’s about looking at your spending and saving habits, ensuring you’re able to live your life well and protecting your family for the future.
We’re here to guide you throughout the process, keeping you on track to make the most of your assets and achieve your future objectives.
Our process
Our unbiased, professional and informed advice will help you create a tailormade financial plan, defining what you want out of life, fulfilled and financially secure. With regular reviews, we’ll keep you on track, adapting your plan as time goes on to suit your changing circumstances.
Our approach to investment
As Financial Planners we will ensure that you have the best investment advice as part of your financial plan.
Our investment approach is fundamentally based on some key values that we hold as a firm. Our investment philosophy is underpinned by our beliefs, the criteria we use and the discipline adopted. It involves the following four steps:
1. Philosophy
While investment performance hinges on many factors out of your control, such as the performance of the funds, you can control others. These are the ones we deem the most important in creating and managing a portfolio. Investors are rewarded in proportion to the risk they take. Diversification is an essential tool available. It enables you to capture broad market forces while reducing the uncompensated risk associated with equity investment. We will rely on sound research and data compilation over several decades for the identification of the multiple asset classes that will form the basis of any investment strategy.
2. Beliefs
We believe that asset allocation primarily determines the results of a broadly diversified portfolio, and concentrate on getting this right for every client. Depending on your financial goals, we believe that the asset allocation of a portfolio (i.e. how it is split between the different types of asset classes , such as cash, equities, fixed interest, property etc.) largely determines the performance as opposed to individual stock picking*. Stocks and shares are risky – and so is avoiding them. However, we won’t take more risk than is absolutely necessary to achieve your objectives.
3. Criteria
Before making any recommendations, we undertake a thorough analysis of your attitude to risk and loss so that we can tailor the investment strategy to your personal needs. If you think that the potential gains to investing outweigh the costs, there is one last factor to consider: cost. We endeavour to minimise this as much as possible.
4. Discipline
This job does not end here! Your portfolio will require a regular review and possible rebalancing (back to the agreed strategy) to ensure that you remain on track to reach those all important goals. Investing can provoke strong feelings. In the face of stock market upheaval, you may find yourself making impulsive decisions or, conversely, becoming paralysed, unable to implement an investment strategy or to rebalance a portfolio as needed. Discipline can help you remain committed to your long-term investment plans through periods of market uncertainty. Use tax allowances wherever possible. You can’t control the markets, but you can control the effect of costs and taxes.
Remember the value of your investments can fall as well as rise and that past performance is not a guide to the future.
*Eugene Fama and Kenneth French (Nobel Prize in Economics 2011)
Find out more about our team and the ways that we can help
Testimonials
We’re here to help you plan for all of life’s key moments with personalised financial planning to ensure you reach your goals. Evolving with you through all of life’s changes and ensuring your legacy is secure. Personal and professional financial advice that extends to the next generation and the next. Health and happiness for you and your family through all of life’s milestones, for a life well-lived.
