Investment Planning

With so many savings & investment vehicles in place, and the ‘up & down’ nature of the markets, the concept of investing can seem complex. The wide range of investments in the market place means that some may be suitable for one person, but not the next. There is no ‘best investment’ for everyone and one size definitely does not fit all.  Questions to consider include:

  • How much can I afford to invest?
  • What timescale am I investing for?
  • How much risk do I need to take?
  • How much risk am I prepared to take?
  • Do I need access?
  • Do I want income, capital preservation or growth from the investment?
  • Are there any tax implications to be aware of?
  • What is the most efficient tax wrapper to invest in?

Investment advice should reflect your circumstances and should be carefully considered with an investment specialist.

Our highly qualified Investment Advisers will take time to understand your circumstances, objectives and your views regarding investment risk before you make any decisions about the best way to invest your
money. Building an investment portfolio must take into account tax opportunities and implications, volatility, and the need for income or growth or both. We have access to strategies that suit the more cautious investor, right through to the more speculative investor.

We also offer our clients a robust cash flow modelling facility. Put simply, cash flow modelling looks at all of the inflows of cash (such as salary, investment income, inheritances, etc.) and all of the outflows of cash (such as living expenses, income tax, discretionary expenditure, planned savings, etc.). Then, alongside a model of your assets and liabilities, we can demonstrate graphically whether or not you are able to achieve your goals from your current position – and if so, what level of investment return you need to achieve.

In the event that you are currently not on track to be able to achieve your goals, we can then look at “what if?” scenarios to investigate the impact of various strategic decisions – such as saving more, delaying or reducing expenditure, or making changes to the asset allocation within an investment portfolio.

In short, it’s a very sophisticated piece of software that models all of the various interactions between variables, including the effect of taxes, but which offers the chance to immediately identify potential problems and develop robust solutions. Any financial plan we build for you will have lifetime cash flow modelling at its core.

Under our ongoing service proposition, each investment is closely monitored to ensure that the risk stays constant – an important element in today’s volatile markets, as well as striving to ensure that returns match your expectations. As circumstances change, we have a regular review system to ensure the advice we
give you is always the advice you need at that point in your life.