Our experienced team of advisers can produce bespoke investment solutions that are suited to your requirements and objectives. There are a number of thorough procedures that we follow in order to achieve this:

Understanding your financial goals.

We will assess your attitude to investment risk, reward, and volatility to establish an investment strategy that best suits your needs, allocating your assets respectively in relation to both the present and the future. We can then review the current investment markets before best placing investments. The investment process doesn’t end here – we carry out thorough reviews, including rebalancing asset allocation so that we can measure the successes of an investment and ensure it is doing what we set out to achieve.

Measuring the specifics.

Once we have established your attitude to risk, we will need to understand more about your preferences and desirables from your portfolio. These include the timely nature of any investments and accessing capital, how often you would like to receive income, how flexible your investments can be, and figures you would like to achieve.

Considering taxes.

Tax is an implication for investments, and it is important that we understand how much tax you are prepared to pay. Our specialist investment advisers will examine your personal circumstances and recommend the most tax efficient method of investing for you.

We specialise in providing thorough, cost-effective advice on investments including New Individual Savings Accounts (NISAs), investment trusts, unit trusts, Open Ended Investment Companies (OEICs), endowment policies, investment bonds, and annuities, and speak in plain English to ensure you gain the good financial understanding that you deserve.

Here is a brief explanation of just some of the ways you can invest:

New Individual Savings Accounts (NISAs)

For NISAs, individuals have a yearly allowance set by the treasury. Currently, the ISA allocation for 2019/20 is £20,000 a year, although this could change each year. Since July 2014, it is now possible to transfer out of cash NISAs into equity NISAs, and then back into cash. Junior ISAs (JISAs) now have an increased allowance of up to £4,368 into either a cash or/and an equity ISA. Improved flexibility also means the NISA allowance can be split between a Stocks & Shares NISA and a Cash NISA, and improved transfer options mean each can be transferred into one another. Also under the new rules, interest on cash held in a Stocks & Shares NISA is completely tax-free.

Investment Trusts

Investment trusts are companies that buy and sell shares in other businesses. When you invest in them, you become a shareholder of that business, with shares fluctuating in value with respect to supply and demand of the shares.

Unit Trusts

A unit trust is an investment that reduces your risk of the stock market, by pooling your savings with thousands of others and then spreading the money across a wide range of shares or other types of investment.

Open Ended Investment Companies (OEICs)

Introduced to the UK in 1997, OEICs are companies that create shares in a fund as people invest, and cancel them as they cash in.

Endowments Policies

Endowment policies are savings and life assurance policies over an agreed period, with a minimum of 10 years. Upon maturity or earlier death, a tax free benefit is paid out.

Investment Bonds

An investment bond is a whole-of-life policy that is usually paid for with a lump sum or single premium. Proceeds can be taxable for both lower and higher rate taxpayers.


A conventional annuity is a contract in which an insurance company pays an investor a guaranteed income for either a specified time frame or for the rest of their life, in exchange for a capital sum.

For more information on your investment options, book your free consultation with one of our experienced advisers by calling 0800 848 8250, email, or fill out our simple contact form.