Need guidance with your finances?

We can help make your savings work harder. And help you understand what you have and can get.

Investments & Savings

Do you have a lump-sum to invest from savings, inheritance, or from your private or occupational pension? Or perhaps you just want to organise your savings more effectively. We can advise you on how best to invest your money.

Most of our clients want to know that their money is going to be ‘working as hard as it can’ for them, that they’re getting the best return possible, without taking risks they are not comfortable with. We have a wealth of knowledge and experience to ensure you are making the most of your money.

To be able to help, we’ll need to know:

  • How much you want to keep as a ‘cash reserve’ for immediate access. We will make sure that you’re getting the best rate from your bank or building society deposit accounts
  • How much you want to invest without risk. We usually advise that some funds go into guaranteed investments, such as Premium Bonds or Fixed Rate Accounts
  • Whether you need an income from your investments and if not, whether you’re likely to in the future, and how far away that future is
  • Your tax position now, and whether this may change. We’ll aim to make sure that any investments we recommend or that you ask us to look after, are as tax-efficient as possible for you

We’ll then discuss how much risk you are comfortable to consider. This is different for everybody and may vary according to your circumstances, and change over time. That’s why it’s important that any funds you invest, and any advice we give (or that you’ve been given in the past), is regularly reviewed.

Our recommendations are never complicated. Most of our clients want a reasonable return, without too many risks.

We work with a number of portfolio and fund managers whom we are comfortable to recommend, and continually review their performance and strategy. We also use ‘passive’, index-tracker funds, to complement these portfolios and reduce costs.

Our Client Website will give you access to valuations at any time, on your computer, mobile phone or tablet.

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What our clients have to say

Philip has provided professional advice appropriate to our needs by taking the time to find out what our requirements are. He is reliable and delivers what is promised.
Lindsey Braune

From the blog
Not so Pension Wise, after all?

The government apparently spent £18 million last year advertising “Pension Wise”, its free advice service…

As seen in