You work hard for your money - so why shouldn’t your money work hard for you. With a bewildering range of savings and investment options available to you, how, when and where to invest is key. Whether investing for growth, income or capital protection, we can tailor an investment to meet your individual needs.

Objective, Tailored Advice

We give careful consideration to your attitude to risk, time scale, financial aspirations and ethical beliefs. With this in mind, we can recommend a bespoke portfolio using a combination of shares, unit trusts, OEICs, investment bonds, government bonds, corporate bonds and investment trusts. Building an investment portfolio must also take into account tax opportunities like the use of ISAs and Capital Gains Tax, and any tax implications that our recommendations may have. If you are looking to invest lump sums or save regularly, we have a wealth of experience, knowledge and expertise at our disposal to help you realise your financial goals.

What we offer

We advise on a wide range of investments

  • Stocks & Shares
  • Unit Trusts & OEIC's
  • ISA's
  • Investment Bonds
  • EIS & VCT's

Risk v Reward To get a return above what you could expect in a savings account, it is inevitable that you would need to take some degree of risk to achieve this. It’s crucial to think about what level of risk you are willing to take in exchange for the potential return as different investment opportunities carry different risks. The bedrock of any portfolio is diversification. This involves spreading your money across a variety of different assets and investments to reduce risk.

Risk of Inflation Inflation is the change in price of goods and services. Over time as the cost of goods and services goes up, inflation can undermine the value of your money, i.e. you can buy less for your pound. Inflation is measured in the UK using CPI - Consumer Price Index, which values the percentage change in the cost of an average basket of goods and services that a typical household spends money on, like bread, milk and utility costs. As of May 2011, the government’s target for inflation stands at 2%, however current inflation is running at double this at 4%. Whilst your money is secure with cash savings and a 4% interest rate may seem attractive, unless you get this in a Cash ISA, you will have to deduct tax, reducing your actual or ‘net’ return. For a basic rate tax payer, this would reduce a 4% interest rate to 3.2%, for a higher rate tax payer 2.4% and an additional rate tax payer just 2%. Unless your savings achieve a net return above inflation, your money will be losing its value and the real buying power of your money could end up being lower than when you started. Stock market investments give the opportunity for real growth above inflation, however you have to accept the risk that your money can also go down in value.

We have access to a wide range of investments covering the whole risk spectrum, including capital protected investments which guarantee that you will not get back less than you invested. As part of the financial planning process we will explore your investment objectives and priorities. We will gauge your attitude to risk by asking a series of questions and this will tell us what type of investor you are, and what kind of risks you are comfortable with.

Past performance is no indication of future returns, values of investments may fluctuate and can go down as well as up.