Investing can help your money grow over time, but it also involves risk. We will take time to understand your circumstances and objectives and advise you on investments that are suitable for your needs. There are many investment options available, and we aim to help you make informed decisions that support your long-term financial plans.
Past performance is no guarantee of future returns.
The value of investments and any income from them can fall as well as rise.
You may not get back the full amount invested.
Risk and reward
From the outset, we will discuss what you want to achieve, your current tax position, your attitude to risk and your capacity for loss. Based on this information, we will recommend a suitable investment approach, which may include unit trusts, investment bonds, ISAs or other regulated investment solutions, depending on your circumstances.
Savings
There are a range of options for saving and investing, and our advisers can help you explore ways to plan and invest in a tax-efficient manner based on current legislation. This may include options such as ISAs or junior ISAs, where growth is not subject to income tax or capital gains tax under current rules.
Bonds
Investment bonds can play a role in some investment strategies. Some bonds may include guarantees, subject to specific terms, conditions and the financial strength of the provider. We will explain how different bonds work, including risks, costs and potential tax treatment, and advise on whether they are suitable for you, taking account of your objectives and risk tolerance.
Planning
You might want to plan for inheritance tax (IHT) or for costly school or university fees. We can show you straightforward ways to achieve your goals, with the minimum of fuss. It’s never too early to plan for the future and we’ll help you every step of the way.
Investment groups
Unit trusts and open-ended investment contracts (OEICs) offer the opportunity to invest your capital in an investment group, as opposed to buying stocks or shares directly. While these two fund types operate in a similar way, we can advise you on the nuances of both and help you decide which is more appropriate for you.
Your goals are our goals
We want to help you meet your objectives for your investments. We talk in plain language and aim to make the process as easy as possible for you. As independent financial advisers, we have access to the whole of the market and with our expertise and quality of service, we are confident you’ll want to work with us long into the future.