professional investment adviser.
achieve your financial goals with the right investment strategy
having the right investment strategy will help you to achieve your financial goals
Investment planning is designed to diversify your portfolio and there are many areas to consider.
Whether you are investing a lump sum, regular amounts or reviewing an existing portfolio, our investment advisers will explain the different types of investments available, as well as the benefits and risks.
Your portfolio will be regularly reviewed to check that it is on track to meet your goals, and we will advise you if we feel any changes are needed.
expert advice
investment planning opportunities we can advise on…
Investing for income
For people who need to withdraw a regular income from their portfolio, we can recommend investment portfolios that are built for this purpose. These portfolios are often designed to produce a higher-than-average yield (or ‘natural income’) from dividends, interest payments and other sources. These types of investment solutions can help reduce the impact of the volatility that comes from investment markets.
Junior ISAs
A tax-efficient way to save for your children’s financial future and introduce them to the importance of saving.
Onshore and Offshore Investment Bonds
Medium to long-term investments with the potential for capital growth and the option of a tax-deferred income via partial withdrawals.
Discretionary Fund Management
Where appropriate, we can recommend an appropriate Discretionary Fund Manager (DFM), who can create a bespoke portfolio, which will be managed to match your risk profile and individual needs.
Investment Bonds
Long-term investment wrappers allowing you to diversify, switch investment funds and potentially reduce personal tax liability.
ISAs
A tax-efficient investment with the potential to generate long-term capital growth and income.
Growth and Income Portfolios
We can recommend portfolios designed to generate growth or income, or even a combination of the two, taking into account your attitude to risk.
Unit Trusts and Open Ended Investment Companies (OEICs)
Medium to long-term investments with the potential for capital growth and/or income, with the option to utilise the annual Capital Gains Tax exemption.
frequently asked questions
Why is investment planning important?
Investment planning allows you to potentially grow your wealth for greater financial returns. These returns can be achieved by assessing your different investment options. You can set up end goals and feel comfortable that you are aware of the opportunities and risks.
How much should I invest?
There is no definitive amount of how much you should invest, as this decision is up to you. But before investing, you should set money aside to establish an emergency fund, in case you require quick access to cash, for example, if you had to fix your car.
How do I ensure that my portfolio is diverse?
Our financial advisers, around Birmingham & Worcester, will work with you to ensure that your portfolio is diverse. Having a diverse portfolio spreads your money across different types of investment, different geographic regions and different sectors of the economy.
Please note
The value of investments, and the income that they produce, can falls as well as rise. You may get back less than invested.
An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.
The levels and bases of taxation and reliefs are subject to change and are also generally dependent on individual circumstances.
For ISA’s Investors do not pay any personal tax on income or gains, but ISAs may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.
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When deciding the fees we charge for advice we want to be sure you receive value for money and that the solutions we recommend are likely to deliver your objectives.