Mike and Linda were diligent savers, spending a lot of time ‘chasing rates’ to get the most out of their savings. They were looking for reassurance that their money wouldn’t run out and that there would be enough left over for their loved ones to enjoy.
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With the typical interest rate on cash savings at an all-time low, keeping too much money in the bank can damage your wealth as it is likely to lose pace with rising prices (known as inflation).
Whilst there is a perception that investing is akin to taking a ‘gamble’, the reality is that there are investments out there which cater for all risk appetites from very low to very high risk.
And if you are prepared to take a long-term view the evidence in favour of investing as opposed to keeping money in cash is overwhelming. Investing is as much about managing emotions as opposed to managing the investments themselves and we will help you do this and to keep your mind focussed on the long term.
What our clients say about us
The questions we will help you answer
What does investing actually mean?
How much can I afford to invest?
What is a ‘tax wrapper’ and how does it apply to investing?
How do I manage the amount of risk I take with my investments?
Should I be investing my money when the markets are volatile?
How do I pass my investments onto my loved ones?
We have over 20 years’ experience of working collaboratively with people who want their investments to work as part of a wider financial plan. We help them to manage their investment portfolios in the most tax-efficient ways possible, so that they can achieve their life goals.
This means understanding what your investments need to achieve and how much risk you are willing and able to take with your wealth. We’ll then advise you on a range of investment portfolios which will best suit your needs.
Here’s what we do
- We take the time to get to know you and your goals for the future. We never talk about your money straight away; we believe that creating a trusting and understanding relationship is the best way to ensure your financial plan has your best interests at its heart.
- We will then address your initial concerns. If you’re worried about not having enough money to to what you want to now or in retirement, we will provide reassurance and show you what’s possible.
- We will review your existing investments, including your pensions, ISAs and savings establishing a full financial profile and making sense of what you have. We will also deal with all providers and paperwork so that you don’t have to. At the end of this stage, you will have a full financial plan that includes recommendations to get you on track to meeting your investment goals.
- We will work with you on an ongoing basis, guiding you from the planning stage to the day you retire and beyond. As your circumstances, needs and goals change over time, you can be sure that we will work with you to keep your financial future secure.