Investment, Savings & Tax mitigation advice

The value of investments can fall as well as rise. You may get back less than you invested.
Tax Planning, National Savings Products and Advice on Cash in Deposits is not regulated by the Financial Conduct Authority.

'If we were sat here in five year's time reviewing the decisions that you made about your investments and savings now, what has to have happened, over that time for you to be satisfied with the progress that you are making?'

First things first – this is a big subject!

Savings and investing can be complex when you get into the detail but, if you start with the premise that all the old sayings still hold true, you won't go far wrong.

"Don't put all your eggs in one basket". Or as financial advisers would have it, make sure you have a diversified portfolio !  Some cash, some fixed interest, some property, some UK equities, some global equities, and so on.

"Always look a gift horse in the mouth", If it looks too good to be true it probably is. To paraphrase Gordon Gecko, "Greed is not good".

"Keep something for a rainy day", No matter how attractive the investment proposition always ensure that you have enough in reserve.

Due to the many different types of savings and investment products it makes most sense seek advice in this area, more than any other, particularly as you should be creating a portfolio of products that matches your own needs, aims and circumstances, also taking into account your appetite for risk. Here are a few of the key products we advise upon:

•             National Savings Products
•             Cash Deposits
•             Individual Savings Accounts (ISAs)
•             Equities
•             Collectives  - OEIC's & unit trusts
•             Investment Bonds
•             Structured Products
•             Guaranteed Growth and Guaranteed Income Bonds

How do we do this?

Well, first we ask a number of questions and listen to your answers. We need to know what you are seeking to achieve and over what time period you are seeking to achieve this in. We will also ask you to complete a 'Risk Tolerance Questionnaire' which will help us to assess your thoughts on taking investment risk and will help to choose the correct investment strategy that meets those needs.